Baja Bound Insurance Services has been in existence for 12 years.
They sell Mexican auto insurance exclusively to U.S. and Canadian residents who will be traveling to Mexico.
At the company’s founding, some people thought that this was too much of a niche market to be successful, but Baja Bound has been very successful.
Many United States residents travel to and from Mexico several times a year for both business and pleasure.
Having Mexican insurance makes it easier to travel in and out of the country without difficulty.
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Baja Bound Insurance Coverage
Some people may wonder why Mexican auto insurance is needed when driving an insured U.S. vehicle over the border. You can get into the country without proof of Mexican auto insurance.
However, if you are in an accident, Mexican authorities will ask for proof of Mexican auto insurance. They do not consider U.S. or Canadian auto insurance policies viable because many U.S. and Canadian policies won’t pay internationally.
If you are involved in an accident in Mexico, you can be arrested, even if you are not at fault. Having Mexican auto insurance greatly reduces the risks of being arrested or spending time in jail.
Also, some parts of Mexico do not have strict laws, so you may be asked to pay in order to avoid jail unless you can show proof of Mexican auto insurance.
Lastly, if your car is totaled in an accident in Mexico, it will be covered by your Mexican auto insurance policy. You do not want to be stranded without a vehicle or without the money to fix your vehicle.
Baja Bound Insurance will take care of replacement or repair costs. Basically, it is an extra layer or protection that is good to have when in a foreign country.
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Baja Bound Insurance Application
To apply for Baja Insurance you need to fill out a quick online form or you can go to one of their local offices. You will need to provide them with your vehicle type, vehicle year, vehicle make, vehicle model, and vehicle value. The value can be assessed by using an online system that evaluates the value of your vehicle if sold today.
Then you choose the duration of the coverage you need. This can be anywhere from one day to 364 days. If your duration of travel is one year or longer, you will need another type of policy.
All of Baja’s insurance policies are short term. Not only can you choose a date for coverage to begin, but also a specific time.
Those applying for Baja insurance have to answer some questions about their current United States or Canadian insurance coverage. There are some basic requirements concerning a current policy that must be met before being approved for Baja insurance.
The resident coverage must be maintained while in Mexico. Those applying must also state why they will be traveling to Mexico and answer some questions about their driving history.
Baja Bound Insurance Claims
Baja Bound claims must be filed in a very specific way due to both U.S. and Mexican auto insurance laws. The most important thing to remember is that claims must be filed before leaving Mexico.
When dialing 066, the caller should ask for an accident investigator to come to the scene, as well as any medical personnel that may be needed.
It is more difficult to file an auto insurance claim if an accident investigator doesn’t come to the scene. An accident investigator will fill out an accident report that can be used by Baja Bound to understand and pay your claim.
It is important to be safe. If you do not feel safe where the accident occurred, move to a safe area. Never accept any money or other payments offered from someone who was involved in the accident with you.
This is illegal in Mexico and can cause problems when law enforcement arrives, as well as when filing your claim.
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