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Posts Tagged ‘Mexican insurance’

Rocky Point Mexico, known by the locals as Puerto Penasco, gets it’s reputation from big fish angling and beach entertainment along the gulf near Sonora, Mexico. Located one hour from the Arizona border, Rocky Point is a great weekend choice for those wanting to get away for a few days of beachside fun.

For travelers looking for relaxation, deluxe hotels and condominiums are available, while conventional campsites and motels are also easy to find.

There are many popular things to do such as, Fishing, Ski Rentals, Boat Cruises every day, Snorkeling, Whale and Dolphin Watching Tours, Ultra-light Flights, beachcombing, ATV Rentals and Horseback rides on the beach. And don’t forget the fresh fish burritos!

In the early 1800’s, Lt. Robert H. Hardy of the British Royal Navy explored along the seacoasts of Sonora and Baja California searching for pearls and valuable minerals in the sailing vessel La Bruja. He christened the beach head Rocky Point and it was described on semiofficial maritime guides as such until General Lázaro Cárdenas, president of Mexico in the 1930’s modified it to Puerto Punta Peñasco (Port Rocky Point).

During the start of the 1920’s Americans journeyed from nearby AZ, New Mexico and California to discover the enormous flying fish abundant in the bay. For native fisherman Rocky Point allowed for sanctuary from storms, thanks to the “the mount of the whale” a natural bad weather refuge, with a spectacular view.

For those visiting Rocky Point (or the Baja Peninsula), a vehicle permit is not necessary. However, you still need to acquire a tourist card as well as a Mexican Insurance Policy.

US and Canadian car insurance is invalid in Mexico. The laws and coverage’s are quite different in Mexico in relation to car accidents and how they are administered. Buying a Mexican Insurance policy is vital. You will be confined (jailhouse) and your car can be confiscated until you pay restitution viewed as damages caused by you to others. Your ability to remunerate for damages you’ve caused to third parties is regarded above everything. You get the best value by purchasing car Insurance for Mexico online.

Enjoy yourself with peace of mind on vacation!

So why is Mexican Auto Insurance so vital for people traveling to Mexico? The problem is, even with valid U.S. or Canadian auto insurance, no matter how extensive your coverage is, it does not cover liability protection for the people and property outside your vehicle. Review your US or Canada car insurance. The trouble is, even with legitimate U.S. or Canadian auto insurance, no matter how comprehensive your coverage is, it doesn’t cover financial obligation security for the people or property outside your motor vehicle. This explains why is it vital to purchase a Mexican Motorcycle Insurance Policy from an officially licensed company with permission to conduct business in Mexico. Basic common sense would dictate you purchase Car Insurance for Mexico Online prior to entering the country, because you will have a better understanding about what you are getting and just as importantly, you can see what you are NOT getting.

For example, there are insurers at the border who sell annual insurance policies. What a number of vendors don’t state is that some policies have contract wording that says whenever you are in Mexico for more than 90 days annually, the entire policy is nullified.

Despite the fact that Mexican car insurance can be secured by vendors near the border, buying your insurance online and ahead of time can avoid unnecessary complications. You should ask yourself;

If I drive up to a booth with a nice vehicle, they will know I’m a captive buyer. Will the salesman increase the cost or adjust the fee based on what they think I can afford to pay?

Did I purchase the right policy for my particular vehicle?

Understanding Mexico Auto Insurance is a-la-carte, what do I need?

Understanding Mexican Insurance is a-la-carte, what is covered?

What is the worst actual exposure in Mexico?

Does my insurance cover the places I plan to visit?

Am I receiving good value for my money?

Why do some policies add taxes and high fees and others do not?

Purchasing Mexico Car Insurance Online is easily the fastest, most reliable, convenient option. WebSites with various policy choices and sites that allow review, comparing, and customization of quotes are usually the safest, most affordable bet.

Mexican Insurance Requirements San Diego, Tuscon, Rocky Point – Better Rate Quotes Online?

US and Canadian travelers take extra care in choosing an insurance company at home, but fail to protect themselves adequately while driving in Mexico on vacation or business. We all stuggle at some point, because it is not easy to comprehend most auto insurance coverage.

As Mexico practices Napoleonic law, it is vital that you protect yourself from the possibility of being “jailed” in the event you are found at fault in an auto accident. Every US and Canadian car insurance excludes “Liability” coverage in Mexico and most domestic insurers will not pay for physical damage to your vehicle while you are motoring South of the Border.

In order to help guarantee the best quality Mexico Insurance coverage, astute travelers start out by examining the finances, valuation, and claims ability and reputation of their Mexican auto insurer and then compare internet coverage and rates online that meet their needs as a 2nd step.

Buying coverage from an independently evaluated insurer with a minimum “A” rating, who quotes sufficient “automobile liability limits” with comprehensive features is by far the best way to purchase auto insurance for any South of the border adventure!. The method discussed is nearly impossible if you buy coverage at one of the border sellers (it’s a la carte), however over the past few years it is getting easier to buy a policy that can be understood and can be purchased less expensively online over the internet.

At the very least, explore carriers with an “A” rating or higher (As ranked by A.M. Best, or S and P ) who are admitted and accredited to sell Mexico car policies.

If an internet site does not show on the opening page that the insurance company they represent is “A Rated” (this includes Mexico domiciled Insurance Companies), 9 times out of ten they are selling insurance from un-rated or non-rated insurance companies.

A.M. Best, (ambest.com) and Standard and Poor’s (who independently evaluate and rate global, foreign, and domestic insurers) are regarded as the industry financial authorities in the insurance marketplace. In fact, many insurance companies do business with other insurance companies and the minimum standard for most insurers is an “A” rating.

When purchasing any type of Car Insurance for Mexico, buyers should ask themselves a few questions. Can I buy reliable insurance from a carrier who has a minimum “A” Rating or am I being steered by an agent or broker who runs a website or local independent agency to accept and purchase coverage from an unrated insurer who offers a less reliable program, but who may pay the agent more commission in order that the agent will favor their coverage?

You should understand, the amount of premium a company writes yearly or the size of an insurance company as a measure of fiscal strength or claims paying ability is a very iffy measure of fitness. The answer to this question when an broker might not wish to reveal the true nature of your risk could be to say “Why they are the 1st , 2nd, 3rd largest insurer in (any country).

First look at the insurance company rating ( “A” is Standard), next the policy limit and features, and finally the price. Using this Mexico Auto Insurance purchasing method will help you evaluate and compare rate quotes on a clear apples to apples basis and help you get what you pay for should you ever be involved in a car accident or have a loss.

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