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Physical
Damage |
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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. |
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- Allowed to Make Repairs in the US or Canada |
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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 |
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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: GE 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 |
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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 auto coverage program. |
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Partial Theft
Partial theft coverage is excluded except for with the ACE
Platinum 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 |
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Damages
due to Vandalism are excluded under all policies except for
the ACE Platinum auto coverage. Vandalism losses under the
ACE Platinum auto coverage are subject to the Physical Damage
deductible. |
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Third
Party Liability |
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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 GE 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 |
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This
coverage pays medical expenses for the driver and passengers
of the insured vehicle. |
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Uninsured
Motorist Medical Payments |
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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. |
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Legal
Assistance and Bail Bond |
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All
of our Mexican insurance programs automatically include 24
hour Legal Assistance and Bail Bond. |
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Road
Assistance |
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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. |
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Medical
Evacuation & Medical Assistance |
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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 |
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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 |
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Every
policy through ACE covers the entire country of Mexico (Full
Territory). |
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All
GE Seguros short term Daily policies cover the entire country
of Mexico (Full Territory). |
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The
GE Seguros 6 month and Annual policies have the option of
North West Territory, North East Territory, or Full Territory
(All of Mexico).
The North West Territory & North
East Territory policies have a reduced rate.
North West Territory covers the following states
of Mexico: Baja North, Baja Sur, Sonora, Chihuahua,
and Sinaloa.
North East Territory covers the following states
of Mexico: Coahuila, Nuevo Leon, and Tamaulipas. |
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Physical Damage