Category Archives: Mexico Insurance

All About Mexican Insurance

When is 13th Annual Rocky Point Bike Rally?

I just became aware of a unique, and fun filled annual event called the Rocky Point Bike Rally. It takes place every year, and this is their 13th year.

A customer and friend of ICI brought it to my attention today. He purchased his motorcycle policy online and filled me in on the event.

The rally apparently is extremely popular, notching almost 5,000 riders. It begins November 7th and goes thru the 10th. Sounds like a great 3 day weekend.

They charge a nominal registration fee of $ 10.00 that goes to charity. The event draws from riders throughout the U.S. and Mexico.

Puerto Peñasco, or Rocky Point to gringos, is an extremely popular travel destination, especially if you live in Arizona, New Mexico or certain areas of Texas. This tourist village is usually the closest to theses three States to the ocean. People with RV’s, and especially college students of Arizona and Arizona State frequent this gorgeous spot on Mexico’s north end of the Sea of Cortez.

We have included a link that provides information on where the event begins, and answers a couple of simple questions regarding what is needed to cross into Mexico. The link is: http://www.rockypointrally.com/

We have a fantastic insurance product for your bike, if you intend on joining. OR, if not this rally, maybe in the future you may be considering a ride with a few friends. You might also really, really consider purchasing your International Health & Accident insurance at the same time, as your U.S. or Canadian Health insurance most probably will not cover you in Mexico, and many Mexican Motorcycle insurance policies provide very little if any medical coverage on their policies.

So call a few friends, and join like minded biker enthusiasts for a fun filled weekend!

For all of your Mexico Tourist Auto, Mexico Tourist Motorcycle, Mexico Homeowners, Mexico Tourist Boats and International Health Insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at mxici.com to issue your own policy. We appreciate your business!

So you think your covered with your U.S. insurance in Mexico?

Unfortunately many people believe this myth. Again unfortunately, it is because most of our U.S. insurance companies giving credence to this belief by implying their Mexico Border Endorsement provides coverage in Mexico. It “might” for physical damage (damage to YOUR vehicle) but NOT for the 3rd party liability exposures you encounter in Mexico.

First, a brief explanation. Automobile insurance is broken down to specific parts or types of coverage. 3rd Party Liability is the part of your auto insurance that provides monterary compensation to “others” that you have either injured or caused property damage to. It is not for you, it is your fiscal responsibility to pay a 3rd party when you are at fault in an covered accident. Just a brief note about Mexico and their 3rd Party Liability requirements, click here for the latest information regarding those limits. Special note: Your destination may entail driving through various Mexican States. It is wise to at least purchase the States highest 3rd party liability limits that you travel.

Mexico’s vehicle laws are implemented differently than those in the U.S., and require payment at the time of the accident, OR, you must posses a valid Mexico Tourist Auto policy from a Mexican insurance company. The authorities will negotiate with the Mexican insurance companies Claims Department, or Adjusters.

So your U.S. auto insurance is not applicable when in an accident in Mexico. Restitution is immediately required, and trust me, your U.S. insurance company is not going to send their U.S. Adjuster to Mexico to ajudicate your claim. Therefor, you will be required to pay out of your back pocket the damages or repair costs to the 3rd party on the spot, OR, they may impound your vehicle until restitution is made, OR, they could, and this is extremely rare, incarcerate you until restitution is made.

You may say, but my policy says I am covered, and I am an American! GOOD LUCK with that gem of a statement as your vehicle is impounded while you go back to the U.S. to get $ for this claim. OR, you can speak to your U.S. insurer, who will happily explain to you “NO problem” just bring us a copy of all the police reports and tow or drive your vehicle back to the U.S. and we will gladly pay your claim! There are numerous other scenarios where this can just only get worse, but I am not about to dissuade you from traveling to Mexico, just be wise and purchase your Mexican Tourist Auto policy prior to leaving the U.S. Inexpensive and very simple…

Another thought. I have recently pursued and have made avialable on line, the Mexico Border Endorsments from Nationwide (Texas) and Allstate (Texas). They are vague at best without specific coverage definitions, and also realistically convey that their coverage is not recognized in Mexico. Why they make it part of the policy, I will never know.

To view these documents, click on the following:

Nationwide (Texas) Mexico Border Endorsment

Allstate (Texas) Mexico Border Endorsment

We hope this helps with any questions or concerns you have about your U.S. Auto insurance and the implications that could arise if you depend solely upon that as your proof of insurance in Mexico.

For all of your Mexico Tourist Auto, Homeowners, Motorcycles, Boats and International Health Insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at mxici.com to issue your own policy. We appreciate your business!

 

 

 

Ya se siente la Copa Mundial de la FIFA Brasil 2014

Brasil-2014Al recorrer las calles de la ciudad veo cada vez a más niños y jóvenes jugando en la calle o en el parque con un balón de futbol soccer. Se empieza a llenar el ambiente de una vibra futbolera que nos aparta de lo cotidiano y nos sumerge en un mundo de pasión en el deporte.

Y aunque estamos a casi un año de que se lleve a cabo la Copa Mundial de la FIFA Brasil 2014 que será la XX edición de la Copa Mundial de Fútbol, ya se sienten las ganas de disfrutar en familia o con los amigos de esos partidos emocionantes entre cada país calificado.

Undated handout image of the official 2014 World Cup mascot, the Brazilian three-banded armadillo (the Tolypeutes tricinctus)

Esta será la segunda vez que se realiza este evento en Brasil después de la  Copa Mundial de Fútbol de 1950, entre el 24 de junio y el 16 de julio y fue la primera edición del torneo después de la Segunda Guerra Mundial, resultando la selección Uruguaya campeona en aquel mundial.

El balón oficial de la Copa Mundial de 2014, ha sido bautizado con el nombre de Adidas Brazuca. Con el término “brazuca”, los brasileños definen el orgullo nacional de su forma de ser, que se refleja en la manera cómo viven el fútbol; simboliza la emoción, el orgullo y la buena voluntad de todos.

A los que somos aficionados al futbol la espera para que inicie el próximo mundial tal vez es larga pero cuando menos lo imaginamos ya estaremos a la vuelta de la esquina vislumbrando la inauguración y los partidos se nos hacen tan cortos que se nos pasa muy rápido el mundial para cuando ya estamos pensando en del 2018.

El próximo año cuando de inicio la Copa Mundial de Fútbol, alejémonos de lo cotidiano y tratemos de disfrutar de cada partido aunque no juegue nuestro equipo favorito, mientras comemos, en el taller u oficina (si es posible 🙂 ), con los amigos, ya que el deporte nos ayuda a pasar un momento agradable y sano, alejándonos por un momento de los problemas cotidianos.

argentina-vs-brazil-2010-world-cup-qualifier

Si usted es uno de los afortunados que tendrán la oportunidad de viajar y estar en persona disfrutando de cada partido en vivo, nosotros le ofrecemos una gran gama de servicios de seguros para que disfrute al máximo y viaje con tranquilidad.

Siempre que salgo con mi familia de viaje ya sea por negocio o vacaciones, en lo primero que pienso es en un seguro para el auto y máxime si es un país extranjero el cual no conozco, en donde las leyes y los sistemas de salud son distintos al mío. Procuro comprar también un seguro de salud que proteja a mi familia en caso de que alguno se enferme y no andar preocupado por los gastos médicos que nos pueden hacer pasar un mal rato y que nuestras vacaciones no sean lo que esperábamos.

Ofrecemos planes de salud y gastos médicos internacionales muy económicos así como seguros vehiculares para todo México, Centro y Sudamérica.

Estamos a sus órdenes y les deseamos que si a usted le gusta el futbol soccer tanto como a nosotros, disfrute de los partidos que puedan ver, y que gane el mejor. Y ojalá nos de la sorpresa un país que nunca haya ganado la copa.

Insurance Consultants International
mxici.com

New 3rd Party Liability Limits for Mexico

Recently, we received word that Mexico has instituted new 3rd Party Liability Limits for vehicles. This includes foreign plated vehicles, most of which are vehicles registered in Canada and the U.S.

In Mexico, they have one Department of Insurance that covers all insurance matters for all 33 Mexican States. It is administered by the Federal Government. In the U.S., each State has it’s own Department of Insurance, who then has agreements with the other states when insurance law is generally applied in 3rd party liability cases. Every State has their own minimum 3rd party liability limits, as does Mexico. However, Mexico allows each State to set it’s own minimum liability limits, which is very strange since it is a Federal program.

So now we have 33 states with varying liability requirements. The new minimum limit is over $500,000 USD$ (yes that is right, and it is not pesos) in some states, and a few States with very low limits around $ 4,000 USD$. Click on this link for the latest requirements. PLEASE, do not forget, the distinct possibility of crossing into or through one Mexican State that has a higher liability requirement, as opposed to your destination, which may have a lower liability requirement. Unlike the U.S., your liability limits do not automatically adjust to the higher limits that some States require.

The problem is this, and it is the same for the U.S. You can purchase an automobile policy with the minimum limits, but that does not exclude you from having to personally pay for additional judgements against you. In Mexico, the reason for raising the limits were for crashes or collisions resulting in someones death. Though not common, it does indeed happen. Having been in this particular industry since 1989, we have unfortunately experienced a few. It is the primary reason for purchasing insurance, and that is to protect you from personal financial liability, the insurance company, if purchased correctly assumes the risk. Actually, personal risk was mentioned in the bible, where it was part of the Jewish law. Paraphrased, if you dug an unmarked well and someones livestock fell into it, you were fiscally responsible for settling the cost of the livestock with its owner.

Since each Mexican State has it’s own required limits, it is much safer to purchase a policy with $ 500,000 C.S.L. (stands for *Combined Single Limits) than to purchase one for $50,000. That is why we offer limits of $300,000 C.S.L. and $500,000 on our best insurance packages.Our standard plans do have a lower available limit, but we HIGHLY suggest the plans with the higher limits. You are talking only a few dollars more, and worth every penny…

If you have any questions regarding this or any other insurance matter as it involves Mexico, please feel free to call or write. As always, Mexico can change their laws at any time, and unfortunately, we generally do not find out about them until they are implemented. So call before you go, to find out the latest in available information.

* Combined Single Limit means that both property damage you cause others, AND bodily injury costs are taken out of the same bucket so to speak. Split limits are separated, one amount for Property Damage you cause others, and the other for Bodily Injury you cause someone.

For all of your Mexico Auto, Homeowners, Motorcycles, Boats and International Health Insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at mxici.com to issue your own policy. We appreciate your business!

SPRING BREAK Travel Destinations

Yes, it’s that time again. SPRING BREAK!!! Put down the books, gas up your car and head out to to visit family, or spend time with your new found school buddies. Let’s not forget our teachers and profs, as they to look forward to probably spending some quiet time without having to deal with you needy students…

Here are some travel destinations to consider. For many in the Midwest and Southwest the closest salt water and beautiful beaches are located in Puerto Penasco, or as many refer to it, Rocky Point. A beautiful village located on the Mexico’s Sea of Cortez, in the Northern part of Mexico in the State of Sonora. Getting there is easy. Head to Tuscon and take a left or right dependent upon what part of the country you are coming from on I-10.

It is a Free Zone, so border crossing is easy, and inexpensive. You do not require a vehicle permit, however you will be required to provide the U.S. Dept. of Homeland Security or Customs a “Valid Passport” on your return Stateside. Have a valid Drivers License, if driving, and make certain that you do NOT wander outside of the Free Zone. Failure to observe street signs and ending up out side of the Free Zone could cost you mucho dinero or pesos if you will. It’s against Mexico’s Federal Law to operate a foreign plated vehicle without a vehicle permit outside of the Free Zone. The Hotels are awesome, food and drink plentiful. If you are going dancing or clubbing, crowds are packed into most venues.

Another popular gathering spot is in Texas, South Padre islands. Obviously you do not need to posses vehicle permits here, but if you are curious about Mexico, head over to Matamoros. You can walk or drive across. If you drive, just make sure you have Mexico Tourist Auto insurance, which we can help you with that. Mexico to satisfy your curiosity about Mexico, make sure you bring along your Passport again. If driving you do not need a vehicle permit here, as it is located on what is called the “frontera”, however if you intend on going deeper into Mexico, then you would have to purchase a vehicle permit. In ALL circumstances, you MUST cancel or turn in your Mexico Vehicle Permit upon exiting Mexico. Failure to do so could cost you time, $$$, and a lot of frustration.

Another awesome Spring Break destination is Cancun, Mexico. One of my favorite places. Clear water, awesome food, and fantastic weather. A bit pricier, especially for college students, but well worth it if your parents or you can afford it. For older, say more mature travelers, this time of year is generally not great in Cancun. Unless of course you don’t mind the noise, and watching people throwing up. I’d pick any other time to go to Cancun. I’d pick any other time to go to any of these destinations, if you are a seasoned traveler.

You will still need a U.S. passport, though driving to Cancun can be an adventure, most people will want to fly. You will also require a Visa that is provided by your airline.

We can provide you with Mexico Tourist Auto insurance and Int’l Health & Accident if your destination is Mexico or anywhere else outside of the continental U.S. Laws in Mexico differ substantially than the U.S. If you have any questions about it, please feel free to call or contact us via E Mail or this blog.

Stay safe, have fun, and watch out for each other. You want fond memories, not bad ones!

For all of your Mexico Auto, Homeowners, Motorcycles, Boats and International Health Insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at mxici.com to issue your own policy. We appreciate your business!

Does my U.S. auto insurance cover me in Mexico?

NO. Mexico does not recognize U.S. 3rd Party Liability coverage on any policy other than on a valid Mexican Insurance policy, underwritten by an authorized Mexican insurance company.

YES. For the Physical Damage (Collision & Theft) coverage IF your U.S. auto insurance policy covers it in the U.S. AND it contains a Border Endorsement. This generally occurs if you live at or near the U.S. Mexican border. This only applies to the Physical Damage coverage to your vehicle while in Mexico. THIS DOES NOT INCLUDE THE 3rd PARTY LIABILITY MENTIONED ABOVE, WHICH IS REQUIRED TO OPERATE YOUR VEHICLE IN MEXICO. FYI, 3rd Party or Public Liability coverage is for “injury or property damage you cause the other guy”…This coverage is a standard moral and financial requirement in the U.S. as well as Mexico.

IMPORTANT: Your U.S. insurance agent may not completely understand this Endorsement, especially if you are domiciled away from the U.S. / Mexican border. Some U.S. insurance companies provide the Endorsement, only with the requirement of your purchasing the Mexican 3rd Party Liability policy through a Mexican insurance company. Some may not have this requirement. Yet others might provide various degrees to range of territory (25 kilometers, 100 kilometers, or all of Mexico) or limited time requirements for travel in Mexico. In any case, you should know that, at the very least, Mexican authorities will typically require restitution on the spot (by law) if you do not possess a Mexican Tourist Auto policy. If you do not have the monies ($$$) on your person to pay for the damage, or injuries you have caused a 3rd party, including your own passengers, then you are subject to being detained, and your vehicle confiscated until all fines, fees, and damages are paid.

If you are relying upon your U.S. insurance companies Border Endorsement for Physical Damage to your vehicle, they require YOU to tow the vehicle back to the U.S. for repairs. Tough to do even near the border, and tougher (and more $$$) if you are in the interior! For a few bucks a day, it is just not worth it…

Conclusion: Do not rely upon your U.S. auto insurance in Mexico, have peace of mind while enjoying your Mexico travels by purchasing a Mexico Tourist Auto insurance company from a reputable Agent and insurance company.

Now go enjoy your adventure! If you have any questions, please feel free to call or E Mail.

For all of your Mexico Auto, Homeowners, Motorcycles, Boats and International Health Insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at mxici.com to issue your own policy. We appreciate your business!

What do you do if you have an auto accident in Mexico?

Auto accident in Mexico

First, if passengers or drivers are injured, seek medical attention.

If your vehicle has been stolen, hopefully you would have taken a picture or record your V.I.N. and License Plate on your phone. Also make certain you include your Mexican Tourist Auto policy #, if any, and the Claims Center phone # for the policy. Many times people leave all their important paperwork, passport, vehicle title or registration, in the car and it takes an inordinate amount of time reconstructing or retrieving that paperwork. Best just to put it all in your phone, and save a copy of each important document at home so the information can be easily transferred to you no matter where you are.

If you have a Mexican Tourist auto policy, contact your Mexican Insurance Companies Claim Center. Most Claims Centers use Mexican Toll Free #’s which typically cannot be dialed with a U.S. cell phone, so you might have to use a land line. Be prepared to provide them your:

Name
Policy #
Exact Location (if uncertain, ask someone)

Do NOT enter into any kind of agreement with a 3rd party. That is, anyone whom you have damaged or injured in the accident.

If you do not have a Mexican Tourist auto policy and are depending on your own U.S. auto insurance policy then one of two things could occur. Remember, Mexican law requires immediate financial restitution to a damaged or injured 3rd party.

1. Mexico does NOT recognize U.S. auto policies 3rd party liability coverages. That particular coverage must be written by a legally licensed and authorized Mexican insurance company. Consequently, there is a high probability that you will still be held accountable if you do not posses this type of policy.

2. If you don’t have a Mexican Tourist Auto policy, you might be asked to make immediate financial restitution to the damaged 3rd party. The authorities typically negotiate with them, and you will have to pay them on the spot. At times, the 3rd party, who understands the system, might seek financial restitution from you prior to the authorities arriving. If the authorities do show up and you are required to pay the 3rd party and you don’t have monies to do so, will usually impound your vehicle, and possibly bring you before a Magistrate.

Once, on a flight home from San Antonio, rode with a Bodily Injury Adjuster for a major U.S. (national) auto personal lines insurance company. We shared stories, and when I asked exactly what occurs when one of their U.S. policies has a claim in Mexico, he chuckled and said “nothing”! We are not allowed to cross into Mexico to work…period. When I asked how they adjusted the claim, he said they processed the claim once the insured got themselves, and their vehicle back to the U.S. Absolutely worthless, so know what you have. Most U.S. insurance companies possessing this endorsement, will advise you get additional 3rd party liability coverage for Mexico.

For the least amount of resistance, purchase a 3rd party liability policy issued by a Mexican insurance company, very inexpensive, especially as compared to the scenario above.

If your vehicle is valued high enough to warrant physical damage (i.e. Collision and Theft) it can be purchased for a few more dollars. Finance companies, if your still making payments on your vehicle, require this coverage. If you have a U.S. full coverage (Collision & Theft included) insurance policy that contains a “Border Endorsement”, you should have this coverage, as long as the insured event takes place along the frontera, generally within 26 kilometers of the U.S. border. Many U.S. insurance companies do not have this provision, and those that do, have guidelines that practically make them worthless. FYI, get it in writing.

Follow the instructions provided by your Claims Center or Adjuster. Always ask them to provide you a Claim #, and if an Adjuster arrives, be certain to request their Business Card and a copy of the Claims Report. If they cannot get to you in a reasonable amount of time, due to your location or other factors such as Holidays, or heavy traffic, then you might receive permission to drive the vehicle, if it is safe to do so, and if not, they will probably send a tow truck (grua) to your location.

If, and this is very rare, you are in a serious accident where injuries or possibly a total loss of yours or anothers vehicle, you might have to go before a Magistrate. This is not common, as Mexico does not want to hinder tourist travel, or generate bad publicity, due to the economic impact tourists generate. However, on occasion, and due to their laws, they might hold you in a Magistrates office until the case is settled. Most Mexican insurance companies, not all, provide legal assistance for this scenario.

What have we learned.

1. Make copies and document all of your important paperwork on cell or at home
2. Do not rely on a U.S. Insurance Companies, Border Endorsement
3. At least purchase a 3rd party liability policy from a legally licensed and authorized Mexican company.
4. If needed or warranted, purchase Full Coverage, that includes Theft and Collision and Legal Assistance, which will also include the needed 3rd party liability coverage
5. Report your claim prior to exiting Mexico
6. Lastly, follow the instructions provided by the Claims Center or Adjuster

Have a safe trip, and if we can assist you with answers to your questions, please feel free to call or E mail us!

For all of your Mexico Auto and International health insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at mxici.com to issue your own policy. We appreciate your business!

Will my U.S. Health Insurance, Medicare & Medicaid, and Medical Evacuation cover me in Mexico?

The following was taken from the Dept. of State regarding some of the medical risks and payment for services of foreign travel.

“Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can cost more than $50,000.

The Dept of State strongly urges Americans to consult with their medical insurance company prior to traveling abroad to confirm whether their policies apply over seas and if it will cover emergency expenses such as medical evacuation. U.S. medical insurance plans seldom cover health care costs outside of the U.S. unless supplemental coverage is purchased. Further, U.S. Medicare and Medicaid programs do not provide payment for Medical services outside the U.S

If your insurance policy does not cover you abroad, it is a good idea to consider purchasing a short-term policy that does. There are health insurance policies designed specifically to cover travel. Many travel agents and private companies offer insurance plans that will cover health care expenses incurred overseas including emergency services such as medical evacuations.”

For a few dollars a day, you can protect yourself from any unforeseen medical expenses. Go to our web site below, and click on the caduceus for the very best international health and accident plans.

For all of your Mexico Auto and International health insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at www.mxici.com We appreciate your business!

Does your U.S. Auto Insurance cover you in Mexico?

YES, and NO. It depends upon the scenario encountered. For example…

It depends entirely upon what type of coverage you have and what State your policy is issued.

For instance, in the State of Texas, which obviously borders Mexico, there is what is commonly referred to as a “Border Endorsement” to your Texas Auto Policy.

This particular endorsement, however has some serious restrictions and limits.

Currently, the Texas Dept of Insurance provides some very limited information as to what your Texas Auto policy will cover. Everything, and I mean everything written in this publication does not address whether your policy will or not cover you in Mexico. It is ambiguous at best, and misleading in some respects.

Read below:
*Driving in Other States, Canada, and Mexico
A Texas automobile insurance policy usually meets the financial responsibility requirements of other U.S. states and Canada. Mexico, however, does not recognize U.S. auto liability policies.

Mexican authorities can hold drivers criminally and financially responsible for any auto accidents they cause. If you’re in an accident that results in an injury, police may detain you until they determine who is at fault. You will have to show that you either have insurance recognized by the Mexican government or the financial ability to pay any judgment against you.

Some U.S. companies provide a free endorsement extending your policy’s coverage to infrequent trips of up to 10 days and as far as 25 miles into Mexico. You can buy coverage for longer stays, but it is usually valid only within 25 miles of the border. In addition, these endorsements might not meet Mexican legal requirements.

You may be able to buy a Mexico “tourist” endorsement for your U.S. policy. This endorsement extends your liability coverage to pay costs exceeding a Mexican liability policy’s limits. It covers trips of any distance and any length of time. Ask your agent which endorsements your insurance company offers.

The aforementioned was taken directly from the Texas Dept of Insurance Web Site for Auto Publications.

For all of your Mexico Auto and International health insurance needs, please call us at 1-800-434-3966 OR Email us at ici@mxici.com or visit us at www.mxici.com We appreciate your business!

What can happen when you do not have Mexico Auto insurance

Whether you can purchase your Liability coverage through your Texas auto policy to cover you in Mexico is a moot point.

It clearly states that Mexico does NOT recognize U.S Auto Liability policies. Subsequently, it doesn’t matter whether you have the Endorsement or not. Why the Texas Dept of Insurance even prints this disclosure is beyond me…

I recently had a person call my office to seek our help and assistance in respect to an accident he had while recently in Cd. Juarez. I had previously insured this gentleman with a Mexico Tourist Auto policy, but unfortunately he was under the impression that his Texas Auto Policy would suffice. Yes, he did have the Border Endorsement as described in the Texas Dept of Insurance (TDI) publication, however when he presented it to the authorities at the scene of the accident they told him “ call your adjuster or agent and have them arrive to make immediate restitution ($) to the 3rd party” (the person whom he collided).

That’s right, immediate, because according to their law, Mexico only recognizes two things when property damage or medical costs are attributed to the offender. This was on a late Thursday afternoon. And when he called he was desperate. Having neither a Mexican Tourist Auto policy, nor the money needed to pay the 3rd party (approximately $ 1,500 USD$)

With my experience and contacts developed over the years, I did what I could to help him. Unfortunately, insurance offices were closed. He had to visit the Juarez Hilton for the night.

For all of your Mexico Auto and International health insurance needs, please call us at 1-800-434-3966 OR E mail us at ici@mxici.com or visit us at www.mxici.com We appreciate your business!