What do Chubb Seguros Mexican insurance policies cover?
ACE Seguros is now Chubb Seguros. If you are an ACE Seguros client or policyholder, read more about the merger on our FAQs page.

Civil Liability (Mandatory)

Civil Liability 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(s) 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, $200,000, $300,000 and $500,000 CSL (Combined Single Limit).

Physical Damage (Optional)

This section of the insurance policy protects your vehicle up to the Actual Cash Value (ACV) 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. See below for ACV information. Acts of vandalism are excluded unless the Platinum policy is purchased.

Towing expenses in case of collision are covered up to U.S. $1000 (or the amount stated on the policy) to tow the vehicle to the closest place of repair in the city/state of the occurrence.

Total Theft of Your Vehicle (Optional)

This section of the insurance policy 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. Partial theft (of vehicle parts) is excluded unless the Platinum 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, buggies and ATVs are not eligible for this coverage. Medical expenses limits available: U.S. $2,000 per person up to U.S. $10,000 per accident or U.S. $4,000 per person up to U.S. $20,000 per accident. Limits of U.S. $10,000 per person up to $50,000 per accident are offered on the Platinum policy.

Legal Assistance and Bail Bond (Mandatory on most policies)

Legal assistance and legal defense in case of an auto accident are covered on most Chubb Seguros policies with the exception of buggy and ATV policies. In addition, Chubb Seguros offers legal assistance in case of suffering other types of crimes, in case of the insured's or passengers' fatalities, in case of property damage or bodily injury to third parties and in case of other types of accidents.

Bail bonds are covered up to U.S. $30,000, however if necessary, bail bonds may be posted equal to the limit of liability stated on the policy.

Platinum Assist:

Chubb Seguros Platinum Assist provides various travel services throughout Mexico 24 hours a day. The bilingual service includes medical assistance and references, tourist information, cash advance, and transmission of urgent messages.

Roadside assistance and towing are covered in case of vehicle breakdown. The towing limit is $1000 to the nearest repair shop in the city and state of the occurrence. Basic roadside assistance service includes: lockout service, jump start, gas service and flat tire service. View details of Platinum Assist.

Platinum Policy:

Chubb Seguros offers expanded coverage with their Platinum policy. This policy features coverage for partial theft and vandalism, fixed deductibles, medical payments in excess for occupants in case of an at-fault uninsured motorist, a collision damage waiver, and full U.S. repair rates if the vehicle is repaired at a shop in the U.S. View details of the Platinum policy.

Actual Cash Value

To determine the Actual Cash Value (ACV) of your vehicle, find the current market value on the Kelley Blue Book or NADA Guide. (For modified or converted vehicles, please contact us for special approval). It is imperative that a realistic ACV of the vehicle is stated on your insurance policy. In case of a total loss, Chubb Seguros will determine the current market value of the vehicle according to the policy Terms and Conditions. Underinsuring a vehicle will result in being paid less than the market value of the vehicle. In the case of over insuring any vehicle, the insurer has the right to adjust the Actual Cash Value to reflect the current market value.

Updated: Jan 12, 2018 02:46 PM

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