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Why learn your current car and health plans are not enough
Mexico consistently ranks among the top ten destinations for travelers. Their centers and tropical mountain huts offer a range of activities from sports to shopping adventure. It also creates the conditions for accidents and injuries.
According to the State Department, the lead U.S. foreign affairs agency, many American visitors assume the security and safety standards are the same found in the U.S. These assumptions have led not only to serous injuries, but even deaths. Compounded by differences in Mexican law, accidents and medical emergencies can become a costly and bureaucratic nightmare. As a result, the State Department urges citizens to take responsibility for their safety, and also to ensure that they have the car and medical insurance needed.
Driving and Mexican law
Mexico's law is based on the Code Napoleonic Code where guilt is assumed over innocence. As a result, all drivers must have a Mexico insurance policy from a company authorized to do business in Mexico to cover damages or injuries.
"U.S. liability insurance is valid only in Mexico," says Linden Gray, Director of http://MexicanInsuranceStore.com. "That does not even include most of the collision major U.S. and comprehensive coverage plans.
In addition to motor insurance needs of Mexico, also should consider a plan that covers legal assistance and bond rates.
"In Mexico, is a crime to have an accident, says Gray." While police are investigating who is at fault, your vehicle may be confiscated and will be arrested by Mexican authorities. "
The State Department also warns U.S. travelers that can be prevented from leaving the country even if "life-saving medical care is mandatory.
Medical Services Emergency
Mexico has a free national health system, however, visitors are not entitled to this service. Tourists can only receive treatment health and medicine in clinics and private hospitals. Gray Company urges customers to verify their medical insurance company to confirm whether its policy is applied in Mexico and whether it will cover emergency expenses such as medical evacuation.
Surprisingly, most plans Mexico auto insurance only help you to find a mechanism, and may only cover up to four passengers. Many health care plans only refer to parts of the costs depending on location, activity or cause injury. For those with the Social Security Medicare program, costs hospital or medical services outside the United States are not covered at all.
"It is important to fill the gaps and exclusions that your car and health insurance have, "says Gray." In addition to the Mexico car insurance, travelers should add an option of medical assistance emergency, because most health plans exclude medical evacuation in foreign countries. "
Gray recommends a plan like Assist America, which is used by the American Medical Association and the American Red Cross. This type of plan provides services such as emergency medical evacuations, monitoring critical care and hospital admission guarantee.
Choosing a plan
The easiest and fastest way to find in Mexico auto insurance is online. When selecting a plan, look for one that offers the following:
• Third party (Civil) Liability
• Medical Expenses for driver and passengers
• Assist America Medical and Travel Assistance
• Physical damage and total theft of vehicle
• Legal Assistance and Bail Bond
• Roadside Assistance
• Partial Theft and Vandalism
• Guaranteed admission to hospital
Make sure the plan covers you throughout your stay. Most plans have daily, six months and annual policies.
Moreover, take into consideration the type of activities will enjoy and their locations. Look for emergency medical assistance plans with few limitations or exclusions, such as:
• Plans the maximum number of passengers (some only cover passengers to 4)
• Limits of less than $ 100,000 per passenger for any Service Medical Assistance including expensive air or road evacuation.
• Rural Mexico Territory Exclusion. (Almost all the terms of assistance emergency, says "We will do the best we can in rural Mexico")
Exclusions • For pre-conditions (except for pregnancy)
• The adventure sport or activity Exclusions (Surfing, Cycling, Mountain Biking, Mountaineering, snorkeling, kayaking or diving in Mexico are well with Assist America)
• The Civil War and terrorism exclusions
About the Author:
The Director of Mexican Insurance Store, Linden H. Gray, has over 29 years retail, wholesale, and direct insurance experience. Visit http://mexicaninsurancestore.com in Perris, CA for more information about Mexican Auto Insurance. Policies can be ordered and printed online in minutes.
Article Source: ArticlesBase.com – How To Buy Mexican Auto Insurance Using This Little Known Technique.
Gonzales Insurance Agency, Midland TX
