Dec 5, 2002, 3:06 PM
Post #15 of 17
OK, here's my story of a Mexican insurance claim. This happened about 18 months ago, on a Sunday afternoon, on the highway from Guadalajara to Chapala, and involved my car, some trees, and a road sign, but involved no other vehicles or people (except peripherally).
As I approached the turn to the West for Cajititlan, a car came out of that road at very high speed and turned right onto the highway, cutting in front of me and several other vehicles. I was in the left lane at the time, and traffic was heavy. I could neither hit the brakes (due to traffic behind me) or swerve into the right lane (due to traffic beside me), so in order to avoid slamming into the person who cut in front of me, I swerved into the median. I hit and knocked down a road sign, sheered off two small trees, and broke the axle of my car, in addition to other damage to it. The car had to be towed away. Two drivers who had seen what happened went as far as the next retorno and came back to make sure that I was all right; they also brought the license plate number of the driver who caused the accident. One of these people also let me use his cell phone to call my insurance company. The adjuster arrived on the scene of the accident within an hour.
On Monday, the insurance company located my car, told me where to go to pay off the costs for the road sign and trees, and gave me all the information I needed about paying the costs of the roadside damages and the pensión. The insurance agent was professional, polite, competent, and pleasant. I did exactly what I was told and was able to have the car towed from the pensión de gruas to my mechanic that same day.
The insurance company's main office in Mexico City cut me a check for the full amount of its liability within a few days. Unfortunately the check got lost in the system for a week or so, but when it arrived in the Guadalajara office I was called immediately and was able to go pick up the check that day.
I found my experience to be no better and no worse than any insurance experience in the United States of America. The only real difference was that as the perpetrator of the damages to the highway, I was liable for the costs of replacing the roadsign and the trees. The liability insurance paid those costs, as well as the cost of the pensión.