Road Trip – Mexico Auto Insurance

A road trip into Mexico gives you a much different view of the extraordinary people and places of the real Mexico. Mexico Auto Insurance protects you from the legal risks of operating your automobile while visiting Mexico. It also can protect your investment in your automobile from the additional risks of theft, collision and other damage.What’s Different About Driving in Mexico?Legal System – Mexico’s legal system is based on the Napoleonic Code. (Yes, think France’s Napoleon Bonaparte). Unlike the American Legal system which evolved from the English Legal Code, in Mexico you are considered guilty until proven innocence. Further, an auto accident is considered a crime. Unless you want to extend your visit by a stay in a Mexican jail and have your vehicle impounded, you must have a Mexico Auto Insurance Policy to prove financial responsibility. In addition to insurance that is recognized by Mexican officials, be sure your Mexico Auto policy includes Legal Aid and Bail Bonding coverage. WARNING! – While a Texas or other U.S. Auto Insurance Policy may include an extension for short trips into Mexico, the Mexican Government doesn’t recognize anything but the coverage provided by an insurance company that is based in Mexico. Foreign Auto Insurance will not help you regardless of what your insurance contract says. Don’t drive across the border without a Mexico Auto Insurance policy to protect you.Driving Culture – Don’t expect Mexican residents to drive like they are Americans. Driving is far more “informal” with lane markings and signage being more suggestions than expectations. Your defensive driving skills will be tested!Road Conditions – Roads in Mexico are a mixed bag of modern superhighways and “works in progress.” In rural areas, driving can be an adventure with loose livestock, crazy busses and uncertain road conditions. Urban areas can have challenges compounded by traffic congestion. Often Mexican roads are less well lit and much more dangerous at night.Important Insurance Differences:
Named Peril Protection – Rather than Comprehensive, most Mexico Auto policies provide more limited “Named Peril” coverage with protection only for specifically stated events. Also, minor vandalism and theft of vehicle parts is not covered on all Mexico Auto policies. Be sure you are getting the broadest protection available.
Legal Aid & Bail Bond Protection – This is a critical coverage for visitors but sold as an option. If you do have an accident, you are going to need legal help recognized by the Mexican officials. Be sure your Mexico Auto policy includes this essential protection.
Drinking & Driving – It’s doubly bad in Mexico. If you are intoxicated and driving it voids your Mexico Auto Insurance policy.
Civil vs. Criminal – In Texas, most accidents are handled as Civil Legal events without the risk of criminal prosecution. Your insurance company and the other party sort out fault and financial damages in our Civil Court system. In Mexico, an accident is considered a crime and you are guilty until proven innocent. You are likely to be taken into police custody and your auto impounded until fault is determined and arrangements are made to pay for any penalty and damages.
Auto Accident Injuries – Mexico has a Nationalized Healthcare system but it does not cover non-citizens. Be sure that your Mexico Auto policy has adequate protection if you or your passengers get hurt in an accident so that you can get the treatment you might need. Buying an International Short Term Health plan can also be valuable (see HTH Worldwide below).Drive safely, enjoy your trip and have the Mexico Auto Insurance you need! Planning a road trip to Mexico? We can help with the Mexico Auto Insurance your need. Apply for Mexico Auto Insurance online:

Auto Insurance – Getting What You Thought You Paid for From Your Car Insurer

Auto insurance coverage policies seem to vary significantly from company to company. Use the following tips to choose a reputable insurance company for your auto coverage.State insurance departments, consumer agencies and independent research companies issue reports about insurance company performance in terms of consumer satisfaction. Always do some research and find out about your auto insurance company before you choose your insurer to avoid difficulties in getting the coverage you thought you were paying for. Insurance companies make more money when they can collect high premiums and pay out less on claims. When you’re buying auto insurance, this rule applies and is the reason that customers often find themselves arguing with the company they’re paying come claim time.When you are dealing with an insurance agent, make certain the agent is legitimate. Insurance agents must be licensed by the state where they are selling insurance. If you are using an agent who is with a specific company, you can verify their association with that business by calling the company itself. By verifying your agent’s qualifications you greatly reduce the possibility you will be sold an inferior or phony auto insurance product.Remember, your insurance policy is a contract between you and the insurance company. You provide accurate information about your driving record and vehicle and the insurance company agrees to provide you with certain kinds of coverage at a particular price. As with any contract, the terms must be in the contract in order for them to be honored. During the course of your conversation with an agent, do not be afraid to ask what section of the policy covers a particular feature they are describing. When you get your insurance coverage you can then quickly check the policy to make certain you got the coverage you bargained for.Consider what repair shops the insurance company you are using normally deals with. You will want to check distance from your home and research each repair shop to make certain it has not received multiple consumer complaints. The quality of the repairs your vehicle gets is important to you.When you are shopping for auto insurance, you can use the Internet. However, before you submit your personal information everywhere it is a good idea to contact an individual agent at the company. The more you can verify about the company, the agent and the reputation of the company before sending out your personal information, the better. You can also choose to get preliminary quotes and information online and then visit local insurance company offices to complete the purchase of your policy with an agent you meet face to face. Also, having multiple quotes in hand you’ve received from an online auto insurance quote comparison service puts you in a better position to negotiate with a local agent.Auto insurance is a highly regulated business. If you believe you are being pushed into a settlement amount or are being dealt with unfairly, before you sign any document regarding a claim, consult with an attorney and your state’s insurance department.When you choose an auto insurance company you are concerned with more than the cost of your insurance coverage. Use the above tips to make certain you’re getting what you pay for.

Tips For Getting Your Vehicles Auto Body Repaired!

When your vehicle is in need of auto body repair you are already under a lot of stress. You trying to think of everything and hoping that your vehicles repair come out looking great. You have a lot to worry about so you should have something to help you as you prepare to get your vehicles auto body repaired. Here are a few tips for getting your vehicles auto body repaired.First of all you need to be sure that you take the time to find a great auto body repair shop. You must find a shop that has a good reputation, so ask around and see what you find out about auto body shops near you. Also you should get a good feeling from the auto body repair specialist as well, so if you get a bad feeling move on. You can and should ask to see examples of work they have completed so that you can see for yourself their standards of workmanship. You also want to make sure that you are getting a good deal. Most auto body shops will give you an estimate for free, so ask for one from each shop you are considering. If you are going to be using insurance to help pay for the repair you must ask if they work with the insurance provider before you get the work done. After all this research you will move to the next step.Once you have found the auto body shop that will work for you, your vehicle and your budget you will want to set up a time to get your vehicles auto body repaired. Before you set up a time you should ask the auto body repair specialist how long they will be working on your vehicle so you can plan for it. Some auto body repairs take more time than others. Once you set up the time you are on your way to a great looking vehicle. However you may need a rental car depending on your situation. Be sure to ask if they offer any discounts on rentals at nearby rental facilities that way you can save a little money. Plan on a little set back when getting your vehicle auto body repaired. They may have told you a 4 hour time frame, but may tell you they are running a little behind. Things can come up while repairing your vehicle that they might not expect. It will reduce the amount of stress you encounter if you simply just plan for a little delay. Once your auto body repair is complete they will usually contact you to let you know and you will be able to go pick up your vehicle. Usually when it comes to auto body repairs they can be completed in a way that it is not even visible that there was ever any damage to your vehicles auto body.Follow these tips to getting your vehicles auto body repair and you will find that auto body repairs can really get your vehicle to look great!