We suggest using either the Kelly Blue Book
or the NADA
Guide to determine
the value of your vehicle.
Please enter your vehicles year.
For Vehicles under 15 years of age, are eligible for *Liability
only, or **Full Coverage.
For Vehicles over 15 years of age, are eligible for *Liability
*Liability only meets the legal definition of required coverage (i.e. paid to others
for any Bodily Injury, or Physical Damage the insured causes to a 3rd party) including
Legal Aid, Roadside Assistance, and Medical Payments. Does NOT include Physical
Damage or Theft benefits to your vehicle.
**Full Coverage is same as above, but DOES include Physical Damage (Collision) and
ALL ISSUED POLICIES ARE SUBJECT TO THEIR RESPECTIVE "TERMS & CONDITIONS".
Example: Ford, Chevrolet, GMC, Chrysler, etc.
If your vehicle is NOT represented in this field, please call our office. Classics
(generally over 20 years of age) Collectibles, Vehicles equipped for competition
are not eligible for Full Coverage, but are for Liability Only policies.
Vehicle Value: The 1st option is for Liability Only. For vehicles under
15 years of age, wanting Full Coverage begins with minimum of $3,000 Vehicle Value.
This is NOT a Stated Value or All Risk policy. It is what is called an ACV (Actual
Cash Value) or Current Market Value policy. If you want Physical Damage on your
vehicle (Collision & Theft), then please provide your vehicles ACV. We recommend
going to one of the Appraisal Services listed. If you do not want Physical Damage
on your vehicle, then please click on Liability Only.
Total value of items towed:
Do ALL towed vehicles carry FULL coverage insurance in the US/Canada?
Determine your towed items total value. Items towed that are worth less than
$ 3,000 USD$ are not eligible for physical damage or theft coverage. Therefore its
value does not need to be included in the "Total Value".
It is mandatory that any insured vehicle written under a Mexican insurance policy
that is towing a trailer of any kind, be listed on the primary insured vehicles
policy. This also includes towing of another self propelled vehicle.
If an insured is towing another self propelled vehicle, such as a Motorhome towing
a Jeep, then each must have their OWN policy.
The Motorhome in this example, would also contain on its policy a description of
the Jeep. There is no additional charge for adding the Jeep to the Motorhome's
policy, but the Jeep must be disclosed on the policy for liability purposes. You
can purchase either Full Coverage (if it qualifies) or Liability Only coverage on
the jeep, but you have to purchase one.
Trailers can include Camper, Travel, 5th Wheels, Utility, Motorcycle, and of course
For Pickup trucks, also includes Pickup Shell or Slide in Campers.
Boats, Motorcycles, Jet Skis, Seadoos, and Waverunners, while being towed and listed
on the primary vehicles policy, can also be insured for physical damage while coupled
(hitched) to the primary vehicle.
If you wish to provide Full Coverage to your trailer, it must be valued for more
than $ 3,000 USD$, under 35’ (feet) in length, and under 20 years of age.
A Unit is each separate item being towed. For example, a boat trailer is one Unit
and the Boat is another. A motorcycle trailer is one Unit and the Motorcycle is
You can insure your Motorcycle and Boat while detached from their trailer through
us, if they qualify. Once you completed the process for the primary vehicle, you
can go back to our web Sites Home Page.
Failure to list all towed Units could VOID your coverage.
ACE Seguros does not provide physical damage or theft coverage for Dune Buggies
or Dirt Bikes that are not street legal, ATV's, or Quads.
Is vehicle a "Salvaged" title?
Once a Car Insurance Company declares a Vehicle a "Total Loss", sometimes
they sell the totaled vehicle at an auction for example, to recoup some of their
loss. If a Dealership, or individual then purchases that vehicle, and makes it road
worthy again, they must provide a "Salvaged Title" to anyone they resale
it to. This alerts potential buyers about the vehicles history. Each State has its
own word for a Salvaged Titled vehicle such as rebuilt, restored, reconstructed,
reconditioned, junk, repaired unsafe, non-repairable and of course, Salvaged.
If you purchase a full coverage policy, and posses a Salvage Title, then ACE
Seguros will cover that vehicle up to 50% of its ACV (Actual Cash Value)
ABA Seguros does not offer any type of insurance.
ACE Seguros will indemnify (pay) the maximum of 50% of current value for a vehicle possessing a "Salvage Title", minus any applicable Deductible.