By its?lf auto insurance ?? confusing ?n?ugh for many people. Throwing in a wrinkle l?ke temporary car insurance ma? b? ? bit much. But relax, temporary car insurance is qu?t? specialized ?nd r?all? i?n?t th?t scary.
As th? n?me implies, temporary auto insurance i? ? policy designed to be ?n force f?r ? short period of time and f?r ? ?ertain occasion. Terms for policies are usu?ll? measured ?n days or weeks. Temporary car insurance ?houldn?t be confused w?th things like non-owned auto insurance, wh??h ?? ? full-term auto insurance policy that covers ? driver in?te?d of a vehicle.
Temporary Car Insurance f?r Rentals
Although there ar? oth?r u??s f?r it, th? most common application ?f temporary car insurance ?s ?n a rental situation. Rental temporary auto insurance ?? not true car insurance a? much a? it i? an agreement b?tween ?ou and th? rental company for th?t company to reimburse y?u f?r damages. It?s an added charge to ?our rental ?nd alw??s presented a? ?n upsell.
Many insurance companies will automatically cover you ?t l?a?t partially ?n ? rental car ?? long ?s you stay ?n the United States or Canada. Temporary car insurance offered by the rental company m?? pick u? th? slack, or may b? completely unnecessary.
If ?ou plan t? rent a car ?n th? ne?r future ?nd are unsure of ??ur coverage, consult with ??ur insurance agent b?fore renting. It could save ??u quit? a bit ?n unnecessary rental car charges. If you do rent, plan on an extra $6 t? $12 a day in rental charges ? n?t cheap if ?ou annualize th?t premium.
If you?r? driving ?n any ?ther country, however, you w?nt to s?ri?usl? c?n?id?r taking the rental company?s temporary car insurance. Apart from Canada, m?st American auto insurance policies exclude international coverage ?n general ?nd coverage in Mexico in particular. The chances ?r? very good ?nd??d ??ur car insurance back home won?t b? th?re when you get ?ff that international flight. That rental auto insurance m?y b? th? ?nl? thing betw?en y?u ?nd ?n unfortunate international incident sh?uld y?u get ?n ?n accident.
Temporary Car Insurance in Mexico
Another common application ?f temporary car insurance involves driving south of th? border, ?v?n ?f it?? ??ur ?wn car. Unlike in Canada, where y?ur local auto insurance policy ?s valid ?nd generally recognized b? local authorities, legally driving in Mexico carries an ?ntir?l? different set of requirements.
American insurance companies don?t d? business in Mexico or sell Mexican auto insurance. You w?ll h?v? t? strike ?ut ?n your own t? g?t the coverage y?u need.
Temporary Mexican car insurance ma? b? ?v??labl? thr?ugh ?our agent b? w?y ?f an insurance brokerage, online, or through ?n agency based close t? th? border. When purchasing temporary auto insurance f?r u?e in Mexico ? ?nd ??p?c??ll? wh?n dealing with agents or firms y?u don?t know ? b? sur? ?ou?re ??tu?lly getting Mexican auto insurance. Also be ?ur? ??u?r? not paying too much.
There ar? s?ver?l reputable Mexican insurance companies to choose from including ACE Seguros, HDI Seguros, Grupo Nacional Provincial ?nd others. Don?t b? afraid t? do some research ?n these companies ?s many hav? A. M. Best ratings for financial security ?u?t like their American counterparts. ?Seguros,? incidentally, i? Spanish f?r ?insurance.?
Now th?t ?ou h?ve y?ur Mexican insurance, ??u?r? just ?bout halfway done. You ?ls? need to g?t ? Mexican tourist visa ?nd ? ?Temporary Vehicle Importation Permit? f?r ??ur automobile. Although this permit ?sn?t required ?n Baja California ?nd parts of Sonora ?n the northwestern part of the country, don?t ?v?n think ?b?ut driving with?ut it ?l?ewher? ?n Mexico. If y?u?r? caught w?thout one, your car will l?kely b? confiscated ?nd ??u m?ght find your?elf spending time b?h?nd Mexican jail bars.
The visa ?nd permit ?re ?vail?bl? ?t th? customs port of entry at th? border ?r ?t ? Mexican consulate. An English-language online application f?r the permit ?s ?l?o available, wh?ch w?ll hel? ?ou save time at the border. All told the total investment for driving ?n Mexico w?ll run ?ou s?v?r?l hundred dollars, h?w?v?r mu?h ?f that i? ? deposit ?n th? permit. You?ll g?t the deposit back wh?n y?u surrender th? permit up?n returning t? th? United States.
This entry was posted on March 12, 2012, 2:15 pm and is filed under Car Auto, confused car insurance, Insurance. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.
Source: http://www.wqrp.org/getting-temporary-car-insurance-for-permanent-drivers.html
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