In purchasing Mexican
vehicle insurance, you will first need to choose whether to get
full coverage or a liability-only policy, then the term length and
other options.
FULL COVERAGE includes coverage for:
Collision, Upset and Glass Breakage
Fire and Total Theft
Property Damage Liability
Bodily Injury Liability
Medical Expenses
LIABILITY ONLY includes coverage for:
Property Damage Liability
Bodily Injury Liability
Medical Expenses
LEGAL PROTECTION provides coverage for any accident-related
legal costs
such as attorney fees, court costs and/or bail bond. This protection
is included at no additional cost on all Discover Baja policies.
TOWING SERVICE provides coverage, on a reimbursement basis,
for
towing to the nearest garage where repairs can be made.
Both Genworth and ACE provide liability coverage with a Combined
Single Limit, rather than with split limits as some companies do.
The difference is best illustrated with an example. Let’s
say that your car is insured with a company that provides split
limits of $35,000 for property damage and $30,000 for bodily injury.
The policy will pay up to those limits for these respective areas
of coverage.
If your car is insured with Genworth or ACE with Combined Single
Limit liability coverage of, for example $70,000, then that entire
amount can be used for third party property damage or bodily injury
or it can be divided up between those two areas, depending on the
circumstances of the accident.
Drivers License policies are also available, providing liability-only
coverage for the driver, who may regularly drive more than one car
or pickup. It will not provide coverage while driving a motor home,
motorcycle or other high-risk vehicle, or if pulling a towed unit.
Mexican vehicle insurance coverage can be provided for cars, pickups,
SUVs, vans, RVs, motorcycles and towed items like trailers, boats
ATVs and campers. If you have an accident with an uninsured motorist,
your full-coverage policy will provide coverage for the physical
damage to your vehicle as well as medical coverage for you and the
passengers in your car per policy limits. A liability-only policy
will provide the medical benefits, but no coverage for damage to
your vehicle.
There are special provisions and coverage for partial theft and
vandalism of a vehicle, roadside assistance including key lockout,
flat tires, emergency gas and battery service, emergency transportation,
accommodation and need for a rental car due to lengthy car repairs
etc. Please click on the “free quote” button to review
these coverages as well as additional features provided by premium
packages for policies.
Remember that only Discover Baja offers the value-priced
Genworth Seguros annual tourist policy providing coverage for any
90 days of travel in Baja and Northwestern Mexico during the course
of a year. This exclusive policy is not available to the
general public.
Don’t hesitate to call our office 800 727-BAJA (2252)
for additional insurance information.
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