We asked one client what he thought of buying Mexico Car 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 vacationers plan their travel, drive to the border then remember that they need to bring Mexico auto insurance … then they go to purchase insurance at the nearest sales booth. 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 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 issued in the old time-honored way by hand through brokers within California, Texas, and Arizona in neighborhood insurance offices or at the border and posted to Mexico, often using the US Post Office.

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. This means that your policy could be waiting for a couple of days before it is mailed.

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.

Online insurance policies are a far more effective process of promptly advising your insurer and dispensing  policies to you fast by internet site, E-mail or by facsimile 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 Mexico Car Insurance certificate, which needs to be verified by each insurer, is important.

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Filed under: Car Insurance

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