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HDI Mexican Insurance Policies

HDI Mexican Insurance Policies

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Read the HDI Seguros Conditions
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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, fatalities and property damage to third parties resulting from the use of the insured vehicle. Liability limits offered: 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, liability in case of a fatality, and/or property damage liability.

Excess Liability (Optional)

This section of the policy covers in case of fatalities to third parties resulting from the use of the insured vehicle after the civil liability limit (above) is exhausted. Excess liability limits offered: U.S. $150,000 or $300,000.

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. $1000 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, buggys and ATVs 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, U.S. $10,000 per person up to $50,000 per person and U.S. $20,000 per person up to $100,000 per person.

Guaranteed Bond and Legal Assistance (Mandatory)

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

Roadside Assistance and Towing

Roadside assistance and towing is included on all policies for vehicles up to 25 years old. Roadside assistance includes gasoline service, jumpstart, tire repair, and lockout service. Towing is available in case of an accident or breakdown up to $1000 limit.

Premier Policy:

HDI Seguros offers special expanded coverage if a Premier policy is purchased. These features include coverage for partial theft of permanently installed vehicle parts and vandalism.

Actual Cash Value:

In case of a total loss, HDI Seguros will adjust on the basis of the Actual Cash Value (ACV) of the vehicle at the time of the loss and based on the General Conditions of the policy. The NADA Guide may be used to determine the Actual Cash Value (ACV). (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. 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.