Tag Archives: Travel

Ready Lanes users cross faster into the United States

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U.S. Customs and Border Protection has undertaken a new directive to better direct the thousands of vehicles that use the four major ports of entry along the El Paso, Cd. Juarez.

This will allow the thousands who commute the opportunity to greatly reduce their wait time on the bridge. Anyone who has “parked” on the bridge can well attest, that this newest procedure may well be the best idea to come along since the tortilla.

For more, in depth information, please visit the El Paso Times at;

http://www.elpasotimes.com/story/news/2015/10/29/cbp-educate-commuters-use-ready-lanes/74654252/

Remember, 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 via our easy and simple apps via your PC, tablet, or Cell Phone! We appreciate your business!

New Liability Rules in Mexico.

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This past year, something occurred in the Mexican legal system that boggles the mind.

Going from a laisser-faire attitude about its own citizens and their driving without insurance, to now requiring sometimes huge limits for 3rd party liability in certain Mexican states. Most times, Mexican Nationals, when they don’t have a liability policy from a Mexican insurance company, will just bolt or flee. Mexican law is not lax in handling those responsible for causing the accident. The “at fault” driver typically has their vehicle impounded, or if there is injury, then the owner or driver of the at fault car is jailed or held until brought before a Magistrate.

These limits are not just geared to U.S. drivers in Mexico, but also are the standard for Mexican citizens and their own personal cars.

Don’t forget that many people will drive over one state line to another, just like in the U.S., but unlike the U.S., your Mexico auto or tourist auto insurance will NOT adjust itself to the required minimum 3rd party liability limits of an adjoining state. If you are not familiar with this term, 3rd party liability, it means injuries you may cause another person, a 3rd party, not you or one of your passengers.

In addition, most visitors to Mexico, whether Paisanos or just tourists, don’t realize that most Mexican vehicles are valued close to double that of an American car, even if the same year , and model. The reason for that is the IVA, like a sales tax the Mexican Gov’t charges. This generally increases the value of the car. What does this mean to you? It means to replace a Mexican car that you have damaged, or totaled is generally significantly more than a U.S. or Canadian registered vehicle. If you don’t have enough coverage in your policies 3rd party liability limits, then you are responsible ($) for the difference.

Don’t rely on cheap insurance when in Mexico, and certainly don’t rely on some vanilla web site or even your local insurance agent who sells this on the side, when you can speak or E mail those with years of experience in this industry and get the correct answers. We are here to help you. It is what we do, it is what we are paid to do, and we are adamant about being knowledgeable about our products, and our experiences in dealing with Mexico.

To see what the actual limits for liability are for each Mexican State, go to this link. We hope this helps you become a knowledgeable consumer. Click here for posted liability limits.

We hope this helps you in your Mexico travels. If you have any questions concerning this or anything else regarding travel into Mexico. Please let us know, we will do our best to assist 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

What’s the difference between Travel Insurance, Travel Medical Insurance, and Medical Evacuation?

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In most cases, each product contains some of the functions of the other product(s).

For example, many Travel Insurance and Travel Medical Insurance plans contain provisions that might seem to over lap. Both generally (but not always) provide emergency transportation, via ground ambulance, and some cases Air Ambulance. The difference between these and an actual Air Ambulance Service is that the previous mentioned plans usually guarantee transportation to the “nearest” medical facility (hospital/clinic) while the Air Ambulance guarantees transportation to the nearest medical facility, and then back home to your “Home Hospital” in the country where you are from. Huge difference! (Note: Most Air Ambulance services are not insurance, and thus not guaranteed! In addition, service is not available worldwide but many provide service in all of North America, including Mexico, as well as the Caribbean)

Travel Insurance generally insures your financial investment in your trip. Such as the cost of lost luggage, cancelled flights, or the non-refundable loss of tour costs associated with a cancellation due to an acute onset of a medical condition, injury or death, but it may not cover costs of medical attention needed abroad.

Travel Medical Insurance covers costs of needed medical attention when traveling abroad. Note that U.S. medical insurance is generally not accepted outside of the U.S. Medicare and Medicaid is also not provided or accepted outside of the U.S. This coverage is generally available by the day, week, month or year, and is usually (dependent upon age) very reasonable in costs from about $3.00 USD$ a day, and less if 30 days or more is purchased.

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!

Beware, some common sense rules about traveling in Mexico

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Having insured thousands of vehicles used to travel Mexico, we are used to receiving travel information from the Mexican Insurance companies we represent, as well as the experiences of those we insure.

Recently, we felt led to share some of these travel tips. One, for example, is to avoid, if possible, from stopping or frequenting “Convenience Stores” in Mexico. We have examples of people being approached and robbed or having their vehicle stolen by those hanging out at these stores. They are waiting for those that either look like they have $$$, or who own a vehicle worthy of being stolen, or both.

This obviously does not happen at every Convenience Store, but it appears to be an easy way to approach people traveling with U.S. plates, and to take advantage of them.

Another piece of advice is not to travel into Mexico with a darker color (blue or black) SUV or pick up truck. These seem to be the preferred choice of the cartels and obviously more likely to get stolen. In addition, dark tinted windows are also preferred, for obvious reasons. So stay alert and be aware of your surroundings. Citizens from all over the world still frequent, and travel Mexico by car, plane, and boat.

If you find this type of info helpful, please visit us at www.mxici.com for all of your Auto and Health & Accident insurance in Mexico and throughout the world. You may also wish to E Mail us at ici@mxici.com , or you can call us at 1-800-434-3966 for further assistance. We appreciate your business.