Mexican Insurance, Is a Website BEST?
We asked one client what he thought of buying Mexican Motorcycle Insurance at one of the booths, gas stations, or roadside stands along the border.
This is what he said:
“I’ve been driving South of the Border since the early 80’s. Nearly all travelers to Mexico plan their vacation, drive to the border then remember that they need to buy Mexican insurance … then they go buy it at the nearest seller. This is similar to purchasing groceries at Shell or Seven 11… your alternatives are slim, and you do not have any way to figure out about the quality of the insurers that peddle at the border. It’s hit or miss… the coverage is not standardized, you wonder what you just bought, AND many times you are asked to pay whatever the market will bear Fees! It’s just smarter to buy it before you leave!”
San Diego, CA Resident
Also consider this: There is a LARGE difference between paper generated Mexico insurance policies and electronic Internet Mexico Insurance Policies.
Paper policies, are done in the old traditional way by agents throughout California, Texas, and Arizona in local insurance offices or at the border and mailed to Mexico, often through the regular postal US system.
Basically, an insurance salesman will manually fill out the paperwork, make a trip to the post office, and mail your policy to Mexico. In an attempt to cut costs, it is not uncommon to see an agency wait to mail policies until they have sold a number of them. Sometimes this means that your insurance contract is waiting at the agency for a few days before it’s posted.
Next, it can take up to 10 days for the batch of mail to get past customs to reach Mexico City, where most of the major insurers are located. Then your policy is entered into their computer information processing system manually.
Internet driven auto insurance is a far better method of quickly notifying your insurer and distributing policies to you quickly by internet site, E-mail or by fax so YOU BENEFIT.
The real question is what happens if you have an accident and the insurance company doesn’t have physical evidence of your policy within their system? What happens if you have an accident on a weekend when almost all insurance agents are closed and the ONLY company able to respond is your insurance company?
Since you need to stay at the accident scene and report all accidents while in Mexico, and most auto accidents are adjudicated within hours, having physical possession of your Mexican Motorcycle Insurance certificate, which needs to be verified by each insurer, is important.
