Mexican Car Insurance, Is the Internet BETTER ?
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We asked one client what he thought of buying Mexico RV Insurance at one of the booths, gas stations, or roadside stands along the border.
These were his comments:
“I have vacationed in Mexico since the 70′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. It’s the same as buying meat and groceries at Mobil or a local mini-mart… your selection is limited, and you don’t have any way to search the insurers or the policies that sell at the border. It’s take it or leave it… the coverage is a la carte, who knows what you are really really getting, AND they somehow add extra FEES! It’s much easier to purchase online, before you leave home!”
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 made in the age-old conventional manner, i.e. written by hand by brokers on the border and agents throughout Calif., TX, and AZ in localized insurance agencies and posted to Mexico.
Basically, an insurance salesman will manually fill out the paperwork, make a trip to the post office, and mail your policy to Mexico. To cut back expenses, it’s not unusual to see an agent delay posting policies until a dozen or so have been sold. 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 it is processed by your insurer’s system database one at a time.
Internet policies are a far more efficient method of quickly notifying your insurer and distributing policies to you fast by Website, 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 Car Insurance certificate, which needs to be verified by each insurer, is important.
