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 Moderated by: bartmanaz  
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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.

nice guy
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Mana: 
Also, US insurance on a US plated car here has no validity. You need both insurances if you drive across the border to AZ.

Fairwind
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Mana: 
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..

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?

nice guy
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Mana: 
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

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!

Bullshipper
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Mana: 
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

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.

will rogers
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Mana: 
BS. Were you checked, if so where?

Bullshipper
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Felipe Salazar informed me of the fine amount, then 3 days later I was checked in Guaymas.

Rick B
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Mana: 
The insurance man 
said I need a TIP for the 
Insurance to be valid

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

Bullshipper
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Mana: 
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.

Wy Ynot
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Mana: 
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.

nice guy
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Mana: 
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?

Bullshipper
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Yes, stopped looking for alcohol.

Hook
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Mana: 
It's not completely true that a US plated car with US insurance is not covered in Mexico. Many of the larger insurance companies, including mine, Hartford, insure a car for a specified number of miles below the border. The same was true when I had insurance through AAA and Farmer's in the past.

Generally, San Carlos is too far below the border for most of these policies. They are intended for persons making trips to border towns. My past policies did cover me as far south as Ensenada in Baja.


I buy Mexican Insurance;  the driver's license liability kind. 

Last edited on Sat Nov 16th, 2019 01:21 pm by Hook

Hook
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Mana: 
Rick B wrote: The insurance man 
said I need a TIP for the 
Insurance to be valid


But a TIP is not required in this area of Sonora, nor in Baja. I believe he/she was incorrect, unless you are talking about an RV or a boat.

Rick B
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Mana: 
I believe I meant a visas. Would that be correct Hook?

Hook
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Rick B wrote: I believe I meant a visas. Would that be correct Hook?

This claim has been bandied about on many Mexico boards for years, but I cant recall reading about a single instance where a person was denied an insurance claim because they didnt have their tourist visa.


But, if the policy you choose states it in the policy, get it. I just dont think it is a Mex govt requirement for insurance, but it certainly could be a loophole that the insurance company inserts into the policy to allow them to avoid paying.

amigo2
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Mana: 
FYI.....I am told there is currently no such auto insurance requirement law in San Carlos/ Guaymas and that if some police officer says there is, ask to speak with Comandante Cabrera, head of the transito in San Carlos.
Steve Habkirk

kiteboarder
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Mana: 
Amigo2, you are correct except if you are on a Federal Highway. A federal law went into effect on the first of this year requiring insurance when on any federal highway. I think that may include Beltrones here in San Carlos.  ??

Bullshipper
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Here is one reference saying it is is the the Law for Sonora and about 9 other states my friend. I don't use translators, but I am sure someone can help with this if you have problems understanding spanish.

https://comparaya.mx/seguros-de-autos/guias/requisitos-para-contratar-seguro-de-auto/

guzzi
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Here is translated version.

What is auto insurance?
Having auto insurance today is a fundamental act, because in reality having the financial support of a company in charge of protecting the property of other people, makes the car better backed from any damage. To have auto insurance, you must have a series of requirements to hire auto insurance.

Since having auto insurance has become more than indispensable in Mexico, the need for one of them is obvious, because with the dangers that exist in the City and in the rest of the country, it is safer to have one of them.

Car thefts have been on the rise, but not only the theft of vehicles but car accidents have been of great incidence. Therefore, the importance of having auto insurance, but not many people believe that auto insurance should be important, since it generates an expense inside the houses, and sometimes that extra expense is not possible to pay.

A new law has been established in which it mentions that all vehicles, or rather drivers must have auto insurance that economically supports the car of any risk it may take, such as a total, partial theft or an accident of car that leaves damage to third parties or the owners themselves.

In this article we will talk more about the importance of having auto insurance, plans and coverage of companies and different companies, in addition to the requirements to hire insurance that is required to hire auto insurance.

Should I have auto insurance?
In 2014, when the Federal Roads, Bridges, and Federal Motor Carrier Act was modified, in which a new order was issued in which it mentioned that all drivers had to have auto insurance that will help support accident cars or of any damage that an alien hand could generate.

At that time, cars that were from 2011 onwards had to have auto insurance, but until recently, that law was re-updated in which they mention that all cars, regardless of the year, brand or any data of the vehicle, you must have auto insurance.

The decree was published in the Official Gazette of the Federation, where it is said that the coverage that will be considered mandatory will be Civil Liability, since that coverage could support third parties in terms of car damage, and bodily injury, but as it is the most basic coverage, it could not provide the same protection to the insurance carrier.

That is why many specialists mention that the coverages that could best support people would be coverage that will provide greater support to people, referring to third parties and car insurance owners.

There are different places where you can quote auto insurance, including Compare Now, where you can find a lot of information about all the benefits you have or would have when you take out insurance, in addition to the requirements to hire insurance that each insurer requires , but here We will talk about the requirements to hire insurance that you must follow to have auto insurance.

Mandatory car insurance
For a few months, we have heard a lot about having car insurance and we have been more surprised that it is handled as compulsory insurance, because in reality all those who have a car must be part of the same forced insurance.

In 2014 it had been established that the cars belonging to the year 2011 onwards, should have a car insurance that could support people in case of being in danger due to accidents or theft of the unit, because with that insurance Auto could protect the driver, vehicle and also providing financial compensation if required, but it was not until recently that began to force all those who owned a car regardless of the year or model.

In Mexico there are only a few states that must have mandatory auto insurance. The insurance that is part of the obligation of humans, is the call of Civil Liability, since it has been the lowest and most economical coverage, but in reality it is not convenient, because in case of being involved in an accident, the expenses are only they will cover for third parties, but not for the insured.

So to start reviewing the requirements to hire auto insurance, you should know more about each type of coverage that will be offered depending on the insurer you drive.

Among the states that are required to have auto insurance are:

Mexico City
Morelos
New Lion
Baja California
Sonora
Tabasco
San Luis Potosi
Veracruz
Although in reality it is intended that in all states covered by our country, there must be mandatory insurance for all drivers to reduce the accident rate in the country, because in reality, Mexico is in one of the first places in deaths due to Car accident.

Then it can be said that car insurance is not, but the protection that a company that provides financial support in situations such as accidents, theft of the entire vehicle, theft of auto parts, among others. Each of them allows different forms of payment, so it will be easy to purchase insurance that supports you from all damage.

Covers
Auto insurance has been considered a mandatory requirement in Mexico. As the main reason for its existence, is to be able to support people in accidents or theft of the unit, since Mexico has been put in the place 5 of fatal deaths from car accidents worldwide.

There are three types of coverage that help protect people's assets. Within the coverage we can find the following:

Civil Liability: E s the coverage considered mandatory in some States of the Mexican Republic, where it is intended to give support to third parties in case they are affected in an accident caused by the insurance carrier. Unfortunately, this type of coverage does not support the insured in case of damage caused to the car, or bodily injury.
Limited coverage : C CCOUNT with part liability plus legal assistance if needed, medical expenses for occupants, roadside assistance, and protection against total theft.
Broad Coverage : It is considered as the most satisfactory coverage of all, as it has greater protection of the insurer, in addition to having the following benefits: material damage, car theft, civil liability, civil liability to the driver of the other car, defense legal, medical assistance to the occupants of the car.
In addition to the fact that some insurers manage a fourth coverage and others manage it as additional coverage, but we refer to the wide coverage plus , with which it protects in case of total theft of the car, civil liability, covers the damages of third parties and their own, attention medical to those affected, among many others.

People dedicated to this branch of employment, I mean adjusters or turn agents, always recommend that drivers have a wider coverage so that they can better support them in case of damage, because liability coverage could not support them in nothing.

Requirements to hire auto insurance
For all those who are interested in requesting or knowing the requirements to hire auto insurance, either in Mexico City or inside the Mexican Republic, they should pay attention, because in this article we will tell you what are the requirements that are required to start the process.

Before telling you the requirements, I want to mention the types of coverages that exist, because in reality there is not only Civil Liability, but there are others such as Limited Coverage, Wide Coverage and Wide Plus Coverage, which are in order and offer a greater number of benefits.

Some of the experts in the subject of car insurance, mention that those who decide to have auto insurance, should choose one that covers all those things that normally a car may be at risk such as a car accident or a robbery, among other things.

It does not matter if you are a person who drives too much, or little, but in fact you must have a car insurance and thus be able to avoid being infringed and have a fine of up to $ 4,000 pesos, depending on the state in which you reside.

When you have determined the coverage you want to maintain to support the car, you should consider ordering each of the requirements to hire insurance to be used, such as:

Having a car age of no more than 20 years, but if it is a classic or collector car, it must be indicated beforehand so that other types of coverage can be offered.
Mention the type or model of the vehicle, make and identification number of the car.
Number of doors that the unit has, as well as the security elements; air bags, safety belt, anti-lock brakes, security systems against theft and alarms.
Indicate if the car has had previous owners, how many and if the car has previously presented any accident, and the mileage traveled.
Data of the titular driver, as is the case of: gender, age, address, zip code and the places where it is customary to park or travel the car.
Documentation in order, such as having a valid driver's license, license plates and verification.
In addition to a series of documents such as:

Official identification, as mentioned in other articles, the INE is the credential with which it is verified that a person is of legal age and is issued by the National Electoral Institute.
How to know which insurer to choose?
The National Commission for the Protection and Defense of Users of Financial Services ( CONDUSEF ), mentions that people who wish to acquire auto insurance must perform the following tasks:

Know what type of insurers exist in Mexico.
Investigate which insurers are registered with the CNSF , National Insurance and Bonding Commission.
Know the good and bad reviews of each insurer.
Choose an insurer.
Know the types of coverage and know what your needs and payment options are.
Choose coverage and hire auto insurance.
So now that you know about the type of insurance requirements that are required to take out auto insurance, it is your job to get in touch with the insurer that best suits you.

It is good to ask what kind of needs the car and you have, so that the type of coverage you require is determined.

As for the costs, it is advisable to ask the payment methods, since some insurers give you the opportunity to make different and accessible payments so you can hire it.

amigo2
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Well, you fellas do what you want. I'm going to call officer Cabrera, since he was the one who provided this info and is the current head of Transito here, if I am stopped. Steve Habkirk



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