Congratulations – you set off on an exciting journey to Mexico. Your vehicle is tuned and all your equipment packed, and now it's time to buy your Mexican tourist car insurance. Your Mexican auto insurance decision could be the most important decision you make, but unfortunately it is often one of the most ruthless and least researched decisions that many Mexican travelers do. Do not make a mistake if you believe that all Mexican insurance is the same because the differences in insurance coverage and benefits vary considerably between Mexican insurance companies. While examining insurance is not very exciting for most people, this article will show you how 5 to 10 minutes of research on the internet can save you thousands of dollars and many frustrating hours if you really have to use your insurance Mexico to pay for the loss
to quote and buy Mexican travel insurance car
The vast majority of Mexican auto insurance is now purchased directly from the internet. There are a number of websites that sell insurance in Mexico and buying your insurance from the internet has a great deal of meaning for the customer. Would you rather wait at the last moment when you would buy your insurance at the border or would you prefer to buy your insurance from the convenience of your own computer before you leave your way to Mexico? Most customers prefer to take care of their insurance in advance.
The best ways to buy your insurance from Mexico are those offered by more insurance companies in Mexico. It allows you to compare shopping through one website instead of filling multiple forms on multiple websites. A good Mexican insurance website with an insurance comparison will save you a lot of time and confusion
Which websites can be trusted?
Before you get to your insurance, make sure you are looking for a valid insurance license and contact information. You may also want to search for the "Surplus Lines Broker" license number. A surplus trader is an insurance broker who has a direct contract with Mexican insurance companies and is licensed to sell foreign insurance within the United States. Licensing for surplus broker licenses is a good sign that the website is run by a company that specializes in insurance in Mexico. If the insurance license is not a surplus license for line brokers, it means that the website is most likely run by an insurance agent that sells through a surplus-line broker. This does not mean that the products on the website are not valid but you do not have to receive the same level of customer service as you would from a supermarket trader specializing exclusively in Mexican insurance. You can also look for a listing of the Better Business Bureau and any kind of Internet security approvals such as Hacker Safe or McAfee Secure to make sure your information is safe during your internet transaction.
] Once you've selected a website that sells travel insurance in Mexico, you'll fill out the Quick Insurance Form. Within one minute, you should be able to get fixed quotes and start exploring the benefits of the offered insurance products. Remember that it will be a much faster and more rational process if you use a website that offers more competing insurance companies, all under one citation system (comparative course)
Look at the table below or above the insurance prices that clearly explains exactly what are the Mexican insurance limits and what is actually covered. In this chart you will want to look at the following categories:
Deductibles: The best Mexican fuses offer fixed deductions, which means that the deductible items will be locked in the set amount regardless of the value of your vehicle. Some of the less costly policies set up deductible items on the percentage of the vehicle's value. If the value of the vehicle is less than $ 20,000, the percentage deductible may be fine, but when vehicle values reach $ 30,000 or more, the percentage deductible can be very high. If websites do not explicitly include deductible items, you should not use this site!
US Hours of Work Hours for Repairs Made in the US or Canada: In the old days, most Mexican car insurance companies have been trying to repair their cars in Mexico. Repairs made in Mexico instead of the United States were often much cheaper for Mexican insurance companies and many customers did not want to leave their car in Mexico, so the company did not get paid for these claims. Today, many of Mexico's better insurance programs allow you to repair your vehicle in the US or Canada if you wish. The catch is that some of the less expensive Mexican insurance programs will pay only a limited hourly US repair job (some of them low by $ 20 per hour). This means that the customer will have to pay the difference in hourly working rates from his pocket. The best Mexican insurance programs will be paying very high US rates such as $ 70 per hour or the state they will pay regardless of the current hourly workforce in the US. These policies could significantly minimize your spending from your pocket in the event of a complaint. If the Mexican insurance website does not indicate whether repairs are authorized in the US or what is the hourly working time, do not use the website to buy Mexican insurance!
Vandalism and partial theft coverage: Vandalism and partial theft (which means that only a part of a car is stolen, such as tires, door panels, etc.) is not typically covered by standard Mexican insurance. In recent years, quality Mexican insurance programs have begun to offer this coverage in their extended coverage programs. To protect yourself against the greatest possible number of losses, you should look at this coverage.
Limits of Liability: This is a part of the Mexican policy that pays for damages you cause to third parties. This coverage is essential when traveling to Mexico. Most people in the industry believe that the $ 50,000 liability insurance is probably the minimum that you should consider. Some of the best Mexican insurance programs will go up to $ 300,000 combined with individual limits (a lump sum for damage to property or health damage) but will also increase premiums. Some customers want these higher limits to work together with US policy of overriding responsibility. You can ask your insurance provider in the US if your roof insurance recognizes your car insurance in Mexico as the primary coverage.
Medical payments: This is part of Mexico's insurance policy that gives you health care and passengers (the people in your vehicle). $ 2,000 per person with a total of $ 10,000 for an accident is the lowest limit that you should consider, but many policies will offer much higher limits. Some of the better politicians will increase this amount even if the uninsured motorist who is guilty is hit by you. You may want to check with your American or Canadian health insurance provider to make sure that you cover the medical expenses incurred when traveling to Mexico. If this is not the case, you can also examine the international health insurance plan – but that is another subject.
Legal Service: Ensure your insurance in Mexico includes legal service or legal aid. This coverage will pay all court costs, legal fees, or bail payments resulting from a Mexican car accident. The service will also send a lawyer who will hold his hand through any legal procedures. This coverage is absolutely vital, so do not buy any car insurance in Mexico that does not cover this coverage!
Road Assistance: Most of the better Mexican insurance companies will include a certain level of road assistance to cover the cost of pulling, flat tires, locksmith and other services. That's great coverage, so make sure it's part of your Mexican insurance.
Medical Evacuation: As the market for Mexican insurance becomes more competitive, many carriers in Mexico are now joining extra special cover to make their products stand out. If medical evacuation is automatically included with your insurance in Mexico, it is incredible value and convenience. This coverage will be coordinated and paid for air or ground emergency services in case of "serious illness or injury". This means life threatening or very serious illness or injury. Buying a medical evacuation program at its own expense often costs hundreds of dollars a year and can often have many limitations. High quality car insurance policies in Mexico that combine in therapeutic evacuation coverage usually involve more people in your travel group automatically up to four or more people. Make sure you are looking for how many people are covered by medical evacuation. If the amount of insured persons is not included in the insurance details, you can assume that the medical evacuation may involve only the driver. There are other websites that specifically concern 4 or more people in your travel group, so it is highly recommended that you look at websites that offer this wider medical evacuation coverage.
Airplane Tickets Home: Another big advantage, better insurance Mexico is to offer them homeless tickets if your car is stolen or not driven. It can save you thousands of dollars and mitigate the nightmare that needs to coordinate transport back to your home from Mexico. If this benefit is offered, make sure how many people this policy provides for a ticket home. If the ticket is not listed at home or the website does not indicate how many people are included, you should check a different site. Some websites offer coverage for four or more people in your travel group.
If you have any doubts, call the customer service telephone line
you have questions about insurance in Mexico. If no one calls the phone or does not call you in minutes (during normal business hours), you may not want to purchase your insurance from this website! Most of Mexico's insurance websites are like ATM machines. Websites are available for your convenience if you want to write policies yourself, but you can also call customer service customer service websites and let agents write policy for you on the phone
of these insurance coverage and website buying features Mexican auto insurance on the internet, you have the guarantee that you will buy the best insurance for your situation. Five to ten minutes of research can save you thousands of dollars and hours, if not weeks, headaches in case you need to file a Mexican insurance application. Be safe and have fun in Mexico!