What do ACE Seguros Mexican insurance policies cover?


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insurance coverage description
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ACE Seguros

Civil Liability (Mandatory)

This coverage fulfills your proof of financial responsibility as required under Mexican law in case of an accident. The coverage pays for property damage and bodily injury to parties other than the insured (you) and passenger of the insured vehicle, resulting from the use of the insured vehicle in a covered loss. Liability limits available: U.S. $50,000, $70,000, $100,000 and $300,000 CSL (Combined Single Limit) or $100K/$300K/$100K available on the ACE Platinum policy ($100K for bodily injury per person up to $300,000 total per accident and $100K for property damage liability).

Physical Damage (Optional)

This section of the insurance coverage protects your vehicle up to the Actual Cash Value (see below for more information) for collision, overturning, and glass breakage, fire, electric storms, explosion, certain forces of nature and strikes and riots. The Actual Cash Value is subject to applicable deductibles. Acts of vandalism are excluded unless the ACE Platinum Package is purchased. Towing expenses are covered, currently up to U.S. $300 (or the amount stated on the policy) in order to move the vehicle to a place designated by the company for repairs.

Total Theft of Your Vehicle (Optional)

This section of the insurance coverage protects your vehicle up to the Actual Cash Value (see below for more information) for total theft of the vehicle. The Actual Cash Value is subject to applicable deductibles. Acts of vandalism are excluded unless the ACE Platinum Package 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 U.S. $10,000 per accident, U.S. $4,000 per person up to U.S. $20,000 per accident. Higher limits are available with the Platinum Package.

Platinum Assist:

ACE Seguros Platinum Assist provides various travel services throughout Mexico 24 hours a day. The bilingual service includes legal services and payment of bail bond(s) if necessary up to U.S. $30,000, medical assistance and references, roadside assistance, tourist information, and transmission of urgent messages. View details of Platinum Assist.

Platinum Policy:

ACE Seguros offers special expanded coverage if a Platinum policy is purchased. These features include coverage for partial theft and vandalism, fixed deductibles, increased medical payments for occupants in case of an at-fault uninsured motorist, higher liability limits and increased hourly repair rates for vehicles. View details of a Platinum policy.

Actual Cash Value

In case of total loss, ACE Seguros will adjust on the basis of the Actual Cash Value (ACV) of the vehicle at the time of the accident. This value is derived from the Kelly Blue Book and NADA guides as discussed in the Policy Terms and Conditions.It is imperative that a realistic ACV of your vehicle be determined when purchasing your insurance policy. Underinsuring 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.

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