We asked one client what he thought about buying Mexico Auto Insurance online rather than at one of the booths, filling stations, or roadside stands along the border.
This is what he said:
“I have vacationed in Mexico since the 70’s. Nearly all vacationers plan their travel, drive to the border then remember that they need to bring Mexico auto insurance … then they go to purchase insurance at the nearest sales booth. It’s the same as buying meat and groceries at Mobil or a local mini-mart… your selection is limited, and you don’t have any way to search the insurers or the policies that sell at the border. It’s take it or forget it… the insurance coverage is a la carte, who knows what you’re actually getting, AND somehow they add additional FEES! It’s much better to purchase online and ahead of schedule!”
San Diego, CA Resident
Also consider this: There is a LARGE difference between paper generated Mexico insurance policies and electronic Internet Mexican Automobile Insurance Policies.
Paper policies are issued in the old time-honored way by hand through brokers within California, Texas, and Arizona in neighborhood insurance offices or at the border and posted to Mexico, often using the US Post Office.
Basically, an insurance salesman will manually fill out the paperwork, make a trip to the post office, and mail your policy to Mexico. In an attempt to cut costs, it is not uncommon to see an agency wait to mail policies until they have sold a number of them. Sometimes this means that your insurance contract is waiting at the agency for a few days before it’s posted.
Next, it can take upwards to a week for the batched lot to get past customs and make it to Mexico City, where nearly all of the major insurers are located. Then it is processed by your insurer’s system database one at a time.
Internet driven auto insurance is a far better method of quickly notifying your insurer and distributing policies to you quickly by internet site, E-mail or by fax so YOU BENEFIT.
The real question is what happens if you have an accident and the insurance company doesn’t have physical evidence of your policy within their system? What happens if you cause an accident on a weekend or at night? Most insurance brokers work 5 days a week?
Since you need to stay at the accident scene and report all accidents while in Mexico, and most auto accidents are adjudicated within hours, having physical possession of your Mexico Auto Insurance online certificate, which needs to be verified by each insurer, is important.
Mexican Insurance Online Review – Is Mexican Insurance Online A Better Deal?