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Discussion in 'Americas' started by Arte, Feb 1, 2010.
Did you give the above feedback to the management of Los Muertos?
They shouldn't be screwing up an amber ale or a golden ale. Those aren't complicated brews.
Microbreweries are notorious for going out of business. And I'd hate to be a restauranteur- and depend on the tourist trade.
Well, maybe Los Muertos is the appropriate name for this joint
Oneeye, read the info carefully. Mexadventure, like most of the US firms re-selling the Mexican carriers products have a bunch of different companies they represent and a bunch of different coverages from just liability up to full coverages. The deductibles are usually high on theft and total loss with low maximum payouts. The med-evac stuff is additional and not included in most policies. It gets confusing. Don't be shy about calling the company, that's what they are there for.
As far as how well the Mexican carriers deliver in an accident and how much help the US broker provides, I can say happily that I have never had a reason to find out.
Good luck digging through the fine print
You can Chris at Mexadventure to confirm, but I think the optional "med ambulance" service provided thru Mexadventure policies is for within Mexico only and not international. That may be a deal breaker for you. Also if your visa or TVIP is questionable, then forget collecting anything.
To answer your specific question, no, I have not heard of any story of a rider using medevac coverage through Mexadventure (or any other insurance underwriter for Mexico for that matter). Not saying it hasn't been done. I would bet that it has.
Recommendation: Call the company and speak with Chris. He'll tell you the straight scoop on if/when/how many times that trigger has been pulled. I doubt he can give you specifics on the riders though, for privacy reasons.
For a general overview of my own philosophy on this subject, which has been posted in the IMS thread several times, go see Post #2, Appendix A to this thread.
What's Puerto Penasco like? Are there good places to stay? Thinking about taking the 950 down there some time.
PP is okay , plenty of hotels to pick from . Don't be disappointed
though , the place could in the past be considered as a seaside
suburb of Tucson and Phoenix as most of its businesses depended
heavily on vacationers and weekenders from Arizona. Beaches are
in short supply in AZ. The Mexican highway there was built to same
standard as the AZ highway that feeds it .
Yes I did. They didn't seem real concerned.
Tourist trade is weak here now, especially with Americans. There do seem to be plenty of Canadians though. A cigar shop owner I know said his business is down about 60%.
Yes, he's been out of Clinton-Lewinskies for several years now
That reaction is almost a guarantee of demise
Drop off wallet
starting to look like astronauts
And Pemex ground zero is starting to look like a "duck"
The federal government here made a change last week regarding the amount paid out to families of victims of motor vehicle accidents. They increased the amount. Make sure you have sufficient liability coverage to make sure you are fully protected in case someone is killed in an accident and you are deemed responsible.
Under the old liability law, you would be on the hook for about 750 days of the minimum salary (that is how fines are calculated here based on dias multiplied by salario minimo) it has now been increased to 5,000 days of the salario minimo.
Make damn sure your insurance reflects this change and that you have sufficient coverage and don't expect existing policies to cover you.
The math gets fuzzy based on maximum payouts that could be awarded. If you are responsible for an accident that kills 4 people and each earns far more than the minimum salary, that is how they calculate the top end of what you should carry for complete coverage.
$300,000 per person. Hmmm. Kinda makes those $50,000 liability policies through Mexadventure or Sanborn's kinda useless. I don't remember any limits higher than $300k available.
Remember, the law has set up to 4 times the minimum salary as the high end limit. That means if the victim was earning far more than the minimum salary, you are on the hook to pay up to 4 times the minimum salary multiplied by the number of days at 5,000.
I think that Sanborns and a few others will be updating the policies or have already done so.
Call and ask if you are not sure.
Simply put (for those of us who can't read or do third grade math and are headed south next week) anybody know wtf we buy for "complete coverage" and from whom? I looked at both Sanborn's and Mexadventure. I don't see diddly in the online sites about these new limits or changes.
And yeah. For those who bought the yearly policies, better check.
Send them an email, they should have let anyone who carries their policies know about the change.
Nobody should be carrying less than $1,500,000 pesos in liability coverage as that will cover you for the maximum that can now be awarded for an accident where you are responsible for the death of one person who earns at least 4 times the daily minimum wage plus additional expenses the court adds in.
The insane thing is that so many Mexican drivers don't carry insurance to begin with. Including a lot of Mexican motorcyclists. Go to a Harley rally or Mazatlan's bike week and take a little poll for yourself. A lot of riders have zero coverage along with unpaid registrations.
The change means the insurance companies will make a load of profits from those carrying insurance who buy the updated coverage (like me), most guilty parties will try to make a run for it and just take off from the accident scene (like most truck and bus accidents), and those who are caught will pay a few hundred thousand pesos in bribes to the Ministerio Publico investigators in order to be absolved of wrong doing.
Call me cynical if you want.
Well $300,000 dollars (3.78 million pesos) looks to be "safe enough" if I am doing my math right. But only if it is greater than 1.5 million pesos per person .
$500,000 in aggregate would be better, but it is the "per person" that needs to get up there. 1.5 million pesos ($118K US dollars) will blow through the $100K pp limits on the $300K policy sold online even before considering the PD.
I will be calling around. This is a manageable risk. Insure around it.
Edit: The online quote and buy page for mexadventure only has $300K per accident $100K per person coverage which does not cover the high wage earner scenario mikemike mentions. Additionally, it appears these policies are "combined limits" which apparently means that PD comes out of the same liability pot.
I have sent an email asking for a phone consult and will report.
For those interested, here's a link to another forum discussing the same thing.