For that bold and adventurous RECREATIONAL VEHICLE enthusiast, Mexico can end up being an RVers paradise. There are hundreds of incredibly scenic and never too crowded RV parks down and up the shores of the actual Baja Peninsula and Mexico’s Off-shore coast. The weather is actually nice, the sport fishing is excellent, the surf is usually up somewhere, and the free-spirited culture creates a friendly and enjoyable community. But before the actual fun begins, you need to ensure your beloved travel friend, your RV, will be protected using the proper insurance in South america.
For those of you unfamiliar with the rules about Mexican car insurance, here is your accident course. Mexican authorities, meaning the Mexican police and also the Mexican court system, don’t recognize US or Canadian automobile insurance. At a minimum, you must get the Mexican liability auto insurance policy to cover damages you might trigger to third parties. If you don’t have liability insurance that’s underwritten by a Mexican insurance provider, you could face a genuine nightmare if you were involved with a traffic accident. If you’re in a traffic accident in Mexico and you will not prove that you are able to pay for the damage you caused to a 3rd party with a Mexican insurance plan, there is a good possibility that the vehicle will be impounded and will also be detained until you develop the funds to purchase the damages. All of this trouble can be avoided for those who have a Mexican liability insurance plan that demonstrates your ability to cover the damages. So always buy a Mexican insurance policy before you decide to drive your vehicle in to Mexico.
OK – So since you understand that you need to get a Mexican RV insurance plan, you are now probably wondering where you can purchase this insurance, and what coverage would you actually need. This article provides you with a road map of how you can shop for your South america RV insurance.
Is your RV registered in america or Canada?
This actually can create a huge difference in the options open to you for insuring you RECREATIONAL VEHICLE in Mexico. Many US RV insurance providers have recently introduced unique RV insurance programs that actually extend physical damage and theft insurance policy in to Mexico. I’m sorry Canadians, at this time you will find no Canadian RV insurance providers who extend any kind of RV insurance coverage in to Mexico, but perhaps this will change later on. Until then, this part of the article only pertains to US registered RVs.
Some US RV insurance coverage carriers extend physical harm and theft coverage into Mexico.
So if your RV is registered in america, you may want to honestly consider getting your US RV insurance via a US RV insurance organization who extends physical harm and theft coverage within Mexico. At the time of the article, these companies consist of Progressive, National Interstate, as well as AIG. If you go with your US carriers, you will only have to purchase a Mexican liability insurance plan instead of a Mexican full dental coverage plans insurance policy. Because these US carriers can pay for damages to your RV although it is in Mexico, this alleviates the need that you should also purchase any kind of physical damage and theft coverage with the Mexican insurance carrier. A Mexican liability only policy is a lot cheaper than a Mexican insurance plan which includes physical harm and theft coverage.
Example of cost savings if you have US RV insurance which extends physical damage and theft coverage into Mexico:
Cost of your US RV Policy to have an RV worth $80, 000: $800 each year
Cost of your Asian liability only policy for six months: $125
Total Cost: $925
Example of your cost for those who have a US RV policy that doesn’t extend physical damage and theft into Mexico.
Cost of your US RV Policy to have an RV worth $80, 000: $800 each year
Cost of your Mexican full dental coverage plans policy (liability and crash / theft) for six months: $700
Total Cost: $1, 500
As possible see, you can save a great deal of money by going having a US RV insurance plan that extends physical harm and theft into South america. It becomes a two for the buying price of one insurance policy.
Strategies for shopping for US service providers who extend into South america: Make sure to ask what lengths into Mexico their protection will extend. Some ALL OF US companies only extend protection 25 miles into South america, so make sure to ask specifically relating to this. Only buy a plan that covers your RV for the whole country of Mexico.
In case your US RV insurance stretches into Mexico, you will still have to purchase a Mexican liability insurance plan for your RV. Remember to purchase your Asian liability policy!
Mexican insurance coverage for Canadian registered RVs
Because stated previously, there are no Canadian insurance businesses who offer RV insurance coverage programs that extend protection into Mexico. So if you wish to physical damage and theft coverage for the RV while it is within Mexico, your only option would be to purchase the physical harm and theft coverage with the Mexican insurance carriers. This isn’t a terrible option, but you will have to do some careful shopping to ensure you are getting quality Mexican insurance for the RV. This option also applies for all of us registered RVs that are insured having a US company who doesn’t extend physical damage as well as theft coverage into South america.
Where to purchase your own Mexico RV insurance
Although you could wait around till the last minute to purchase your Mexican insurance at the actual Mexican border, most RVers choose to plan ahead and get their Mexico RV insurance via a US or Canadian insurance broker well prior to their Mexico trip. The internet is the greatest place to find a business who sells Mexico RECREATIONAL VEHICLE insurance.
Not all Mexico RV insurance may be the same!
When shopping for Mexico RV insurance on the web, you can either obtain a quote directly from the website or you have the choice to call to obtain a quote over the telephone. This process usually takes just a few minutes. Many of the web websites for Mexican insurance coverage offer multiple Mexican insurance coverage carriers, so you can compare prices and insurance coverages to be able to select the best arrange for your situation.
When evaluating Mexico RV insurance, ensure that you research the following insurance coverages and benefits.
Deductibles: Ensure that you understand your deductibles. Some Mexico RV insurance deductibles provide a percentage of the worthiness of your RV. With regard to rigs valued over $50, 000, these deductibles could possibly get really high. Some other companies offer fixed deductibles that will lock in your deductible in a fixed amount whatever the value of your RECREATIONAL VEHICLE.
Labor rates for repairs made in america or Canada: Make sure to consider Mexico RV policies that permit you to repair your RV in america or Canada, and determine what the hourly labor rate is how the Mexican insurance company can pay for these repairs. A few of the less expensive Mexico RV policies is only going to pay $20 per hour for all of us repairs, while some from the better Mexico RV policies can pay $75 per hour or regardless of the current US labor price is. This is obviously the most well-liked choice.
Liability Limits: Along with insurance, higher liability limitations are always better. It is suggested to get a the least $70, 000 worth associated with liability insurance in South america, but many policies will go up to $300, 000
Legal Support: All of the high quality Mexican insurance brokers includes legal services at absolutely no extra charge. Do not buy the Mexican insurance policy that doesn’t include legal service protection.
Medical Evacuation, Plane Seats Home, and other Journey Assistance coverages: Some from the better Mexican insurance vendors will even bundle in these journey assistance coverages at absolutely no extra charge. These are excellent coverages to possess, so it is highly recommended to locate a Mexico RV policy which include these extra travel assistance insurance policies.
If all of these details has your head re-writing with questions, you can always call a Mexican insurance agent and let their customer support people answer your queries. If the vendor includes a website, make sure they’ve a valid insurance license listed on the website, and they should also provide links to their Bbb statistics available. Unfortunately, there are several vendors who are much more professional than others, so do some research to ensure you are working having a quality insurance broker that has a solid reputation.
Armed with this particular information, you should be on the way to properly insuring your RV during Mexico. Once the South america RV insurance is guaranteed, you can then concentrate on having a fun as well as exciting RV adventure within Mexico.
Jeff Nordahl may be the president of Adventure Asian Insurance Services. He is an experienced software applications designer and a South america insurance expert with over 10 years in the market. Visit Mexico RV insurance to learn more and get an insurance coverage quote for Mexican insurance in the Adventure Mexican Insurance web site.