This is an update to my previous review. Baja Bound, unbidden on my part, reached out to me to...sist. They coordinated a contact with CHUBB, and the insurance company made me whole by paying for damage sustained to my car. They even reimbursed the $300 payment (or bribe or ...) made to the other party.
This is by far the best treatment ever received from an agency or insurance company. I can strongly recommend both Baja Bound and CHUBB.
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This review is about the insurance process in Mexico with US agents. I have driven in Baja many times, but never had to use my Mexican auto Insurance. This time I did, and it is not a pretty picture:
Having purchased a daily CHUBB insurance policy through BAJA BOUND, I drove across the border for a dental appointment. Almost immediately, I had a non-injury minor-moderate collision with another car. We waived each other down, drove a couple of blocks to a side street. We got out to exchange information and discuss - my spanish is extremely poor while the other driver spoke better English. He blamed me for the collision. I showed him my insurance policy. He said it was invalid. He called in a Policia Municipal officer who spoke little English. I showed my policy again. We would have to go to the policer station to work this out - not good!
I called CHUBB in Mexico to report the incident and for help. Meanwhile, the other guy said that US$1,000 would settle his interest. I said: "no, forget it - I have insurance!" I asked the CHUBB agent to intercede and handed my phone to the Policia - they talked for a while and nothing happened - off to the Police Station!!
I told the guy I was in pain, needed to go to the dentist, and offered him US$300, He said yes and took the money. The cop said to both of us: " OK, are you both satisfied?" We said yes. He left, I drove off, and went back across the US border.
My CHUBB policy was apparently useless. I wrote a long note to BAJA BOUND about what happened, but never heard back from anybody. Apparently a slick website does not guarantee anything.
