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 Moderated by: bartmanaz
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Proof of Insurance headsup  Rate Topic 
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 Posted: Sun Nov 3rd, 2019 11:43 pm
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Bullshipper
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Mana: 
The police are now checking drivers for proof of insurance on pull overs and charging a new $7,000 peso fine if you are not up to date. Since liability insurance bought in Mexico (that also covers you in the states) costs around $3200 pesos a year you might want to check to see if you are current.
Also if you are a foreigner in an accident w/o insurance, often times you will go to jail and your car will be impounded until the police have done their investigations and damages have been paid, regardless of who is at fault. 
If you are insuring a Sonora plated car, you have to have a current Sonora drivers license to validate Mexican insurance and licensing laws.


Just a heads up. I am not an insurance agent, or affiliated.

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 Posted: Mon Nov 4th, 2019 12:19 am
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nice guy
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Also, US insurance on a US plated car here has no validity. You need both insurances if you drive across the border to AZ.

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 Posted: Fri Nov 8th, 2019 05:56 pm
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Fairwind
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You can buy a "Drivers License Liability" policy that covers up to two people when they are driving ANY U.S. plated vehicle in Mexico..Cheaper than insuring 2 or 3 different vehicles..

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 Posted: Sat Nov 9th, 2019 07:31 pm
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Bullshipper
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Nice Guy,
I, with a sonora plate , Mexican passport/american passport, sonora driver license and insurance policy written for sonora and us have been told that I do not need an additional policy. Are you refuting this?

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 Posted: Sat Nov 9th, 2019 08:50 pm
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nice guy
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I said - "US insurance on a US plated car here has no validity." I should have added - for liability. I didn't say anything about Sonora plated vehicles.

I haven't had US (AZ) insurance on a US plated vehicle for several years but when I checked the coverage when I had it they covered damage to or theft of my vehicle here, but not liability.

Last edited on Sat Nov 9th, 2019 08:51 pm by nice guy

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 Posted: Sat Nov 9th, 2019 09:40 pm
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lasninas
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Mana: 
Very timely post!  I took your advice and double checked my insurance, the MX policy was days away from expiration and the agent did not email, which is customary.  Thank you!

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 Posted: Sat Nov 9th, 2019 11:19 pm
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Bullshipper
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nice guy wrote: I said - "US insurance on a US plated car here has no validity." I should have added - for liability. I didn't say anything about Sonora plated vehicles.

I haven't had US (AZ) insurance on a US plated vehicle for several years but when I checked the coverage when I had it they covered damage to or theft of my vehicle here, but not liability.


Thanks

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 Posted: Sun Nov 10th, 2019 04:13 am
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nice guy
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#6 - Yes - agents don't seem to see any need to mail or email or call re renewals. Hambone's was BAD - and I was without car ins for 4 mos and house ins for 5 mos.

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 Posted: Sun Nov 10th, 2019 02:59 pm
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will rogers
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BS. Were you checked, if so where?

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 Posted: Sun Nov 10th, 2019 11:46 pm
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Bullshipper
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Felipe Salazar informed me of the fine amount, then 3 days later I was checked in Guaymas.

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 Posted: Mon Nov 11th, 2019 12:19 am
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Rick B
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The insurance man 
said I need a TIP for the 
Insurance to be valid

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 Posted: Tue Nov 12th, 2019 01:07 pm
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Wy Ynot
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Mana: 
Would anyone have a guestimate as to how many of the cars belonging to local folks that come and go daily to work here have any insurance of any kind?? A number somewhere between very, very few and none?? Painters to "contractors" to gardeners to roving plant salesmen to day workers to fishermen, etc. etc. The laws are mostly in place, enforcement is not. Selective enforcement all know about?? Ynot

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 Posted: Tue Nov 12th, 2019 02:21 pm
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Bullshipper
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And that's exactly why this $7K fine is in place now Ron. I think it is directed more at the locals than the tourists. Police roadblocks are checking them for licenses, registration and now proof of insurance. The news will spread.

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 Posted: Tue Nov 12th, 2019 04:59 pm
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Wy Ynot
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Thanks Bullshipper. I did not know that. Nothing against these poor folks that ae only trying to feed their families but just the way it is. We have Mexican neighbors of course and one couple is in their 80s. He had a beautiful old Karman Ghia that he kept covered in his garage. He would drive it about each 2 weeks. A couple of years ago, a drunk in Guaymas hit him in the rear as he was stopped for a stop light. Mostly destroyed the little car. The guy had no insurance and nothing to go after. My neighbor over time found fenders and parts and repainted and rebuilt. Several months later he sold it. I asked him why as it was his baby and he replied just was no where near right. No justice there.

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 Posted: Wed Nov 13th, 2019 04:56 pm
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nice guy
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Just to be clear - you were driving a Mex plated car and they checked you Mex liability and Mex DL? Did they stop your specifically for that check or something else? Are they stopping and checking US-Can plated cars for Mex liability check?

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