HDI Seguros Insurance Policy Summary

What do HDI Seguros Mexican insurance policies cover?


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insurance coverage description
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HDI

Civil Liability (Mandatory)

This section of the policy fulfills your proof of financial responsibility as required under Mexican law. The coverage pays for bodily injury and property damage to parties other than the insured and occupants of the insured vehicle, resulting from the use of the insured vehicle. Liability limits available from HDI: U.S. $50,000, $70,000, $100,000, $200,000, $300,000 and $500,000 Combined Single Limit. Combined Single Limit means this limit may be used towards bodily injury liability and/or property damage liability.

Physical Damage (Optional)

This section of the policy covers your vehicle up to the Actual Cash Value (ACV, see below for additional information) stated on your policy for collision, overturning, and glass breakage. The Actual Cash Value is subject to applicable deductibles. Acts of vandalism are excluded unless the HDI Premier policy is purchased. Towing expenses are covered to move the vehicle to a repair shop designated by HDI or up to U.S. $500 limit if you choose another location.

Total Theft of Your Vehicle (Optional)

This section of the policy covers your vehicle up to the Actual Cash Value (ACV, see below for additional information) stated on your policy for total theft, fire, lightning, explosion, and natural disasters such as cyclones, hurricanes and earthquakes. The Actual Cash Value is subject to applicable deductibles. Partial theft is excluded unless the HDI Premier policy is purchased.

Medical Expenses For Occupants (Mandatory)

This coverage pays for medical expenses for the driver and occupants of the vehicle for injuries sustained in the event of a covered loss. Motorcycles are not eligible for this coverage. Medical expenses limits available: U.S. $2,000 per person up to $10,000 per accident, U.S. $5,000 per person up to $25,000 per accident and U.S. $10,000 per person up to $50,000.

Guaranteed Bond and Legal Assistance (Mandatory)

Provides legal services and payment of bail bonds up to the limit of liability stated on the policy. These services are available 24 hours a day, 365 days a year. View details of bond and legal assistance

Roadside Assistance and Towing

Roadside assistance and towing is included on all policies for vehicles up to 20 years old. Roadside assistance includes gasoline service, jumpstart, tire repair, and lockout service. Towing is available in case of an accident or breakdown. View the many other features of the travel and roadside services

Premier Policy:

HDI Seguros offers special expanded coverage if a Premier policy is purchased. These features include coverage for partial theft and vandalism, fixed deductibles, fixed medical payments for occupants, and higher liability limits. View details of the HDI Premier policy.

Actual Cash Value:

In case of a total loss, Mapfre Seguros will adjust on the basis of the Actual Cash Value (ACV) of the vehicle at the time of the accident. It is imperative that a realistic value of your vehicle be determined when purchasing your insurance policy. To determine an accurate value, please use the Retail Value found in the Kelley Blue Book or NADA Guide. Under-insuring your vehicle(s) may result in financial penalties in the event of a loss. In the case of over-insuring any vehicle, the insurer has the right to adjust the Actual Cash Value to reflect the current market.