| Physical Damage | |||||
| This covers material damages to the insured vehicle as a result of collision, overturning, fire, lightning, explosion, natural disasters, and riots. Physical Damage losses are subject to a mandatory deductible - so make sure to review the deductibles of each insurance program. NOTE: Vandalism acts are excluded except for the ACE Platinum auto coverage program. | |||||
| - Allowed to Make Repairs in the US or Canada | |||||
| All of our
Mexican auto insurance programs allow for the insured vehicle to
be repaired in the US or Canada. As long as you report the claim
while in Mexico, you will be given the option to repair your vehicle
in the US/Canada. WARNING: Not all Mexican insurance companies allow vehicles to be repaired in the US or Canada. Stay away from companies who do not allow you to repair your car in the US! |
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| - Hourly Labor Rate for Repairs Made in the US or Canada | |||||
| Although all
of our products allow for repairs to be made in the US, you will
want to review the exact hourly labor rate that each policy will
pay. Example: If the Mexican insurance policy pays $50 per hour for repairs made in the US, but the US repair shop charges $65 per hour - the insured will need to pay the difference in the hourly labor rate. NOTE: HDI Seguros pays the current US labor rate, so the insured rarely has to pay any difference in labor rate for repairs made in the US. WARNING: Many Mexican insurance companies pay extremely low hourly labor rates (as low as only $15 per hour) for repairs made in the US. Beware of companies who do not allow for repairs in the US or who pay very low US labor rates. |
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| Total Theft | |||||
| In the event that the entire vehicle is stolen, the total theft coverage pays for the loss. Make sure to review the total theft deductibles for each program. Partial Theft is only covered by the ACE Platinum, HDI Premier, and ANA Elite auto coverage program. | |||||
| -
Partial Theft Partial theft coverage is excluded except for with the ACE Platinum,HDI Premier, and ANA Elite auto coverage program. Partial theft covers losses for when only a part of the vehicle is stolen such as, the tires, the door panels, etc. Partial theft losses are subject to the the Total Theft deductible. |
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| Vandalism | |||||
| Damages due to Vandalism are excluded under all policies except for the ACE Platinum, HDI Premier, and ANA Elite auto coverage. Vandalism losses under the ACE Platinum, HDI Premier, and ANA Elite auto coverage are subject to the Physical Damage deductible. | |||||
| Third Party Liability | |||||
| Third Party
Liability pays for damages that you cause to third parties. Example: If you crash into somebody else's vehicle (and it is your fault), the third party liability will pay for the damages that you caused to the other person's car. This coverage fulfills the proof of financial responsibility which is required by Mexican law. The ACE Basic auto coverage and the HDI Seguros programs offer combined single limit (CSL) liability amounts. You can select $50K, $70K, or $100K by using the drop down on this page. Combined Single Limit Liability coverage is more flexible than 'Split Limits' liability coverage. Combined Single Limit provides a lump sum of Liability Coverage which can be applied towards Property Damage or Bodily Injury to third parties. (Most Mexican Liability companies use 'Split Limits' which limit the amount of coverage for Bodily Injury and Property Damage). The ACE Platinum auto coverage offers a higher limits of $100K for property damage, and $300,000 for bodily injury. |
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| Medical Payments | |||||
| This coverage pays medical expenses for the driver and passengers of the insured vehicle. | |||||
| Uninsured Motorist Medical Payments | |||||
| All of our policies will cover medical payments if you are involved in an accident with an uninsured motorist, but the ACE Platinum auto coverage will increase the medical payments in this situation to $15K per person / $40K per event. | |||||
| Legal Assistance and Bail Bond | |||||
| All of our Mexican insurance programs automatically include 24 hour Legal Assistance and Bail Bond. | |||||
| Road Assistance | |||||
| All of our Mexican insurance programs include Road Assistance. Road Assistance includes towing due to mechanical failure, flat tire, and referral services. All of the ACE policies include the Platinum Travel Assistance which includes rental car for while vehicle is disabled or missing. Read full details of the ACE Platinum Travel Assistance. | |||||
| Medical Evacuation & Medical Assistance | |||||
| Only the ACE
programs with Platinum Travel Assistance cover the following: - Air and Land Ambulance coverage due to grave illness or injury - Plane tickets home for the travel group in the event that the driver suffers grave illness or injury - Round trip plane ticket for a companion to visit the insured in the event of grave illness or injury 
Read more about the ACE Platinum Travel Assistance |
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| Trip Interruption | |||||
| Only the ACE
programs with Platinum Travel Assistance cover the following: - Plane tickets home in the event that you are stranded in Mexico - In the event that your vehicle is stolen or is not drivable - In the event that the driver of the vehicle suffers grave illness or injury.
Read more about the ACE Platinum Travel Assistance |
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| Covered Region of Mexico | |||||
| Every policy through ACE covers the entire country of Mexico (Full Territory). | |||||
| All GE Seguros short term Daily policies cover the entire country of Mexico (Full Territory). | |||||
| The GE Seguros
6 month and Annual policies have the option of North West Territory
or Full Territory (All of Mexico). The North West Territory policies have a reduced rate, and they include the following states of Mexico: Baja North, Baja Sur, Sonora, Chihuahua, and Sinaloa. |
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