Mexican Insurance, Is a Website BEST?

We asked one client what he thought of buying Mexico Insurance at one of the booths, gas stations, or roadside stands along the border.

This is what he said:

“I’ve driven in Mexico for years. Most vacationers plan their trip, drive to the border and then remember that they need to by car insurance …then they proceed to buy their policy at the closest roadside stand. This is like buying groceries at 7-eleven or ampm mini-mart… your choice is limited, and you don’t have any way to research the insurance companies that vend 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 Mexican 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. 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 upwards to a week for the batched lot to get past customs and make it to Mexico City, where nearly all 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.

Related posts:

1. Mexico Insurance – A Border Surprise?
2. Mexico Auto Insurance – Will Kitto’s True Adventure