Monthly Archives: July 2014

Will my Arizona personal auto policy provide coverage if I drive my vehicle into Mexico?

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As with most if not all border States to Mexico, each instructs you to at least purchase 3rd party liability (that is $ for the other guy if you are at fault in an accident) from a valid Mexico insurance company. FYI, they are not all the same. For the State of Arizona, the following is published for the benefit of their citizenry who wish to drive their Arizona registered vehicle into Mexico. A very valid reason as one of the most popular destinations in Mexico is just across their border…Puerto Penasco, or Rocky Point as it is commonly known.

Will my Arizona personal auto policy provide coverage if I drive my vehicle into Mexico?

“Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your Arizona personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border), but this coverage does not meet the insurance requirements of the Republic of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico.”

Obviously, the answer is, YES, Mexico does require 3rd party liability from a recognized Mexican insurance company, and no, your personal auto insurance written in Arizona is not recognized in the country of Mexico. For a few dollars a day, you can purchase not only the liability insurance, but one that also comes with a large number of other covered items and benefits, such as Travel Assistance, Legal Assistance, Towing, Medical Payments, etc… All are determined by their insurance companies “Terms & Conditions”.

So don’t wait. Go and enjoy all the good things our neighbors to the South can offer. Fine dining, and not so fine dining. 4 star hotels and no star hotels. Beautiful beaches and, well, you get the picture. Lest we forget, ALL for very little dinero!

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

Will my New Mexico Auto insurance policy cover me in Mexico?

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Rather than bore you with a narrative of what I know after 32 years in the insurance business, I will just let this actual text from the New Mexico Department of Insurance answer this question:

” Will my New Mexico personal auto policy provide coverage if I drive my vehicle into Mexico?

Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your New Mexico personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border); however, this coverage does not meet the insurance requirements of the Republic of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico. Check with your company or agent to determine the coverage available under your specific policy.”

After having personally assisted someone who relied upon their own personal auto policy, I know. Having to find this out, after the fact, is not very wise, but rather stupid. When for a few bucks a day, you can purchase 3rd party liability insurance which can certainly help, and won’t hurt.

Anyone who has family, friends, or even work in Mexico, can benefit from our knowledge, and certainly our insurance products for both sides of the border. We insure U.S. residents or citizens traveling to Mexico, and we can insure Mexico Residents or citizens traveling into the U.S.

So call us, write us, even fax us, for the finest service from the best insurance companies with the most competitive prices!

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

Will my Texas Auto insurance policy cover me in Mexico?

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Not long ago, I decided to write the TDI (Texas Dept. of Insurance) to see if they could, if they would, answer a question that I had regarding insurance regulations or agreements between the two countries.

I asked, “What would happen if a Mexican citizen had an accident in the State of Texas and depended upon their own Mexican auto insurance company?” An actual copy of the response is below.

LetterOfTexasDeptInsurance

In addition to answering the question about a Mexican citizens auto insurance being applied in Texas, they also addressed the issue of a Texas citizens auto policy extending into the Republic of Mexico.

This is an area that we, and especially our border States, have been trying to educate our citizenry forever, and that is;

“Texas does not have a reciprocal agreement with Mexico. We do not recognize Mexican Auto insurance policies, nor does Mexico recognize Texas auto insurance policies.”

In addition to this statement, the Texas Department of Insurance also publishes a pamphlet for this specific scenario. It too, can be viewed directly after the recent TDI correspondence.

We thoroughly enjoy our job, in helping our many friends, and families with their international insurance needs, no matter where. Thank you!

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

Sierra Tarahumara Chihuahua, México (Video)

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Back in 1992 I was fortunate to be President of Caravanas Voyagers, an RV Tour Operator out of EL Paso Texas. We specialized in organizing RV tours throughout the world, however specializing in the Republic of Mexico!

One of our most popular tours was one that incorporated the use of the Mexican Railroad, or what is now called the Ferrocarril Chihuahua al Pacifico. We would load, depending upon each RV’s length, from 15 to 22+ RV’s onto railway flatcars. We would have a Wagonmaster (an experienced leader of the group) and a tailgunner (one who was generally mechanically gifted) who trailed the caravan. Also included was a “guide”, one who was legally licensed with the proper permits for this vocation. We generally ran about 4-6 different routes a season, which of course ran during the winter months, so we could count on a larger RVing crowd from all over North America – Snow Birds! Those who left the North to enjoy the more sunny and warm temperatures of the South during the Winter.

The Copper Canyon, to me, is one of the most unique areas of the world. Traveling by Mexican train was also, obviously unique. I have many, stories but not enough room or time, to relish. Some sad, many funny, and some downright hysterical.

The canyon itself has over 400+ miles with 39 bridges, and 86 tunnels. I remember going into one tunnel, and looking back to see the end of the train coming out of the other tunnel. It is said, the size of the canyon is over 4 and a half times larger than our own Grand Canyon. I personally have been a passenger 3 times, and found every trip to by unique, fun, and remarkable trip.

There are waterfalls, rivers, huge canyons, and Tarahumarans, native Indians to Mexico. These are the peoples who you might have seen on documentaries, who are famous for their long distant running prowess.

I have gone on way to far…for now.

Please take the time to relax, and enjoy one of the most unique landscapes in the world GOD has created. AND, pay special attention to the credits of the gentleman who produced this wonderful video at the end of the film. His name is Carlos Rangel, pictures by Manuel Chávez. It’s about 9+ minutes long, but hey, trust me, there is nothing on t.v. anyway and the scenery will blow your mind.

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