I just wanted to let everybody know a bit more about what Mexican car insurance covers and what it does not. I was at my folks barbecue the other day, celebrating my birthday, and my Dad asked me about my internet business and my blogs. I told him a little bit about what I do and how things are going, and he asked me what it was that he should know about Mexican car insurance, and more expressly to name a coverage that he did not know about.

My swift response was that partial burglary was not covered, and he asked what is partial burglary? I mean how can you have a partial burglary, either it was nicked or it was not, it sounds to me like being partly pregnant. that is the typical response from most northern Americans journeying to Mexico and hearing about this for the first time, and so I gave my dear of Dad an example of partial burglary. Joe drives his new car with new chrome wheels into downtown Juarez, and parks his car along the street while he does some shopping. Joe returns fromspending and finds his new chrome wheels are missing, but the rest of the car is still there, or perhaps it was the radio that is missing, or any other part of the auto, but the vehicle itself is still there : that is partial burglary.

Well, my pa didn’t have anything nice to say about insurance companies, but that is ordinary for everybody. The point of the story is if you travel to Mexico you want to remember that partial burglary is not covered. The vehicle must be fully gone for burglary coverage to apply. Now, you and I’m able to have the philosophical argument about whether is should be covered, but that’s a completely different subject.

Mexico is an excellent place to vacation and to get out and enjoy life. Before you travel, make sure that you buy Mexican car insurance, and you know some of its constraints. Partial burglary is not covered.

I just wanted to tell another story about the exigency for Mexican car insurance, and why it is that you need to comprehend what it is that you are paying for.

Quite some time ago I sold a motorcycle insurance policy to Bob for his new Harley. He wanted to make sure that he had ‘full coverage’ insurance. I wrote a policy that had both comprehensive and collision coverages, and a medical payments limit of five thousand dollars, with additional coverage of twenty-five thousand dollars in uninsured motorist coverage. The medical payments limit was the most that I could write for Bob.

About nine months following the purchase of the insurance Bob had an incident. He laid his bike down in front of an converging truck. Bob walked away from the accident with minor injuries, but his girlfriend, on the back of the bike, suffered serious injuries that required many months of hospitalization, and many surgeries. The converging truck was uninsured at the time of the incident. Bob met with me following the incident and asked that all of her medical bills be covered by the motorcycle policy in force.. I acquainted him with his available coverages, namely: uninsured motorist, and medical expense coverage, and that each would pay up to the policy limit of twenty-five thousand dollars and five thousand dollars respectively.. Sadly, her injuries far outreached her available coverages. Bob was apprehensive that not all of her expenditureswould be covered.

I asked Bob: Up to what limit he expected the insurance to pay for her medical expenditures? His answer was: Whatever is needed, into the millions of dollars. My answer to him was that he needed a health insurance policy not a property insurance policy in order to cover those type of expenses.

What does this have to do with Mexican car insurance? Bob didn’t comprehend what he needed or even what he had, and when most people travel to Mexico they don’t have any idea what Mexican car insurance covers and what isn’t covered. You don’t have to be like everybody else. Find out what it is that you are paying money for, and don’t end up like Bob.