Mexican Motorcycle Insurance, Why Buying from a Website is BETTER?

We asked one client what he thought of buying Mexican Car Insurance at one of the booths, gas stations, or roadside stands along the border.

This was Dan's comment:

"I've been driving South of the Border since the early 80's. Nearly all travelers to Mexico plan their vacation, drive to the border then remember that they need to buy Mexican insurance … then they go buy it at the nearest seller. 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 hit or miss... the coverage is not standardized, you wonder what you just bought, AND many times you are asked to pay whatever the market will bear Fees! It's just smarter to buy it before you leave!"
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. To cut back expenses, it's not unusual to see an agent delay posting policies until a dozen or so have been sold. 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 your policy is entered into their computer information processing system manually.

Online insurance policies are a far more effective process of promptly advising your insurer and dispensing  policies to you fast by internet site, E-mail or by facsimile 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 have an accident on a weekend when almost all insurance agents are closed and the ONLY company able to respond is your insurance company?

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 Mexican Insurance certificate, which needs to be verified by each insurer, is important.