Progressive Insurance

Roberto

Roberto

Guest
Just changed companies on the Van motorhome (Casa Rodante) for US insurance coverage to Progressive. Not sure if it is the same for other vehicles but I was told, by two different contacts at the company, that Progressive policies cover everything but liability all over Mexico. Furthermore, repairs are required to be perfomed in the US and the policy covers hauling the vehicle to the nearest place in the US where repairs can be performed. Wow, is all I could say. And the cost was less than two other companies for comparable coverage limits without the Mexico coverage.
 
dirtsurfer

dirtsurfer

Guest
"but I was told, by two different contacts at the company, that Progressive policies cover everything but liability all over Mexico"

If you cannot find it in writing in your contract do not expect to have this coverage.
 
Landshark

Landshark

Guest
Roberto said:
Just changed companies on the Van motorhome (Casa Rodante) for US insurance coverage to Progressive. Not sure if it is the same for other vehicles but I was told, by two different contacts at the company, that Progressive policies cover everything but liability all over Mexico. Furthermore, repairs are required to be perfomed in the US and the policy covers hauling the vehicle to the nearest place in the US where repairs can be performed. Wow, is all I could say. And the cost was less than two other companies for comparable coverage limits without the Mexico coverage.
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Argee with dirtsurfer about seeing it written into the contract. However the coverage as they described it to you isn't logical. Let's say you were in a collision in Acapulco in a $4000 vehicle and it wasn't drivable. They say they are going to tow it 1800 miles to Ajo for a Progressive estimator to determine the amount of damage and then decide if it is economic total loss or if it is repairable. The tow alone would cost more than the vehicle was worth. Doesn't make sense and wouldn't happen.
 
dry heat

dry heat

Pigeon coup coordinator
It is for RV's only (not vehicles). I would assume it is best used for RV's that are less than 100 miles from the border.
 
Landshark

Landshark

Guest
Ok, then lets call it an RV. Also, they said that "Progressive policies cover everything but liability all over Mexico" and "the policy covers hauling the vehicle to the nearest place in the US where repairs can be performed," They didn't say anything about a 100 mile limit.

Argee with dirtsurfer about seeing it written into the contract. However the coverage as they described it to you isn't logical. Let's say you were in a collision in Acapulco in a $4000 RV and it wasn't drivable. They say they are going to tow it 1800 miles to Ajo for a Progressive estimator to determine the amount of damage and then decide if it is economic total loss or if it is repairable. The tow alone would cost more than the RV was worth. Doesn't make sense and wouldn't happen.
 
Stuart

Stuart

Aye carumba!!!
Staff member
Just curious as to why you need US insurance? Plan on some road trips stateside?

I know for me to get Mexican insurance through Vagabundos (which insures oodles of RVs, boats, trailers, etc.) I HAVE TO have a valid US policy. Then, they offer two types - 1) a Tourist policy (mostly for the free zone areas and Baja) stay not to exceed 180 days and 2) full-year anywhere in Mexico insurance (more for the ex-pats).

I do, however, agree that if it the coverage about Mexico is not specifically written in the policy, then make NO assumption that you have it. That's one of the reasons I insure my boat through a small agency in Redlands, CA. Because the owners are fishermen, they specifically add a "South Coast" endorsement to the policy, which covers operation of the boat throughout the Pacific and Sea of Cortez to a distance not more than 50 miles south of Cabo San Lucas. It's a nice add-on at no extra cost.

I guess what I'm getting at is that if you do some shopping with different agencies, rather than corporate insurance, you may find a policy that has more features and coverage than you expected. Go over to the Vags forum and see what the Mexico RVers there commonly use and why.

Just my .02 :puff:
 
H

Hooch

Guest
We'd do better not to discuss politics here in the general forums Mr. Hooch or we will find ourselves on the bus to Banned Camp!
Last Warning!

Thanks,
The Management
 
dry heat

dry heat

Pigeon coup coordinator
Progressive and Geico are two of the most profitable carriers around. The General is a substandard carrier. But I guess emotion is a lot more fun to discuss than statistics or facts. Do you even know what team most of these carrier support (including the two you just mentioned)? stay strong brother and keep that confederate flag flying... the south will rise again
 
Landshark

Landshark

Guest
I have Progressive Insurance on all of my family's vehicles. Compared to the Farmer's policies I used to have, Progressive has been a big savings for us. I have not had the need to use my insurance, but being a body shop guy we have repaired many vehicles with Progressive Insurance over the years. For the most part, Progressive provides a quality repair. Geico is not too bad to work with, but they do seem to work a little harder at cutting repair costs. Oh yeah, and I bought my own phone!!
 
Roberto

Roberto

Guest
I agree that if it is not written in the policy it does not exist. I had that section emailed to me and the policy completely is in the mail. I think you have to remember how insurance works. They use actuarial figures to compute the risk which determines the cost of the policy. Obvious to me that Progressive has calculated that the Mexico coverage is an attractant for new policyholders that far outweighs the very rare occasion when an RV has to be towed to the border. Perhaps hundreds or even thousands of new policies contrasted to the the once a year occasion requiring a tow. Only a very small percentage of RVs in the US are ever driven to Mexico. It just looks good, in case they want to go. The other interesting observation was that, when I bought the MH, I was in a rush to get coverage as I needed to title it in NM the next day and I phoned Progressive and got minimum required liability to get registered for a Dodge Van not realizing that RV insurance was different. I paid several hundred dollars more for that minimum coverage on a van than I got full coverage for the RV. Again, they run the numbers and in reality RV's are typically driven very very infrequently by most owners and obviously the risk on an RV is less than a van. I also checked several competitiors and Progressive was less or the same but without the coverage in Mexico. The most cheapest quote I got was from one of the little guys, Blue Sky Insurance !!! Wow, I did not fall for that.

I have been following several RV forums and yes there are a couple of reports of Progressive policyholders who had to file a claim in Mexico. No problems reported.
I need US insurance to keep the NM tag valid and yes I plan a trip up to visit my sons.
 
fatboyharley

fatboyharley

Guest
Got hit by a guy with progressive. His fault. My car totaled. This October will be two years. My insurance cpany is still trying to get reimbursed
 
mondone

mondone

Whitecaps
Got hit by a women with Progressive on I-10 during morning rush hour in rear right side about 7 years ago. They took my Pathfinder into their shop ( I OK'd that) and they repaired every single thing on the vehicle whether it was from the accident or not, including a much better hitch than the original Nissan one. Not a complaint on my part at all. They did a great job.
 
dry heat

dry heat

Pigeon coup coordinator
One can find a complaint for every single company. Likewise one can find a compliment for every single company.
 
Roberto

Roberto

Guest
Well I'm pleased about the coverage in Mexico that Progressive offers, and the price is right !! I hope I never have to file though.
 
jerry

jerry

Guest
Ok..not sure if this is true but I have heard you can have trouble if your accident happens in Mexico on a private road.Say a large ranch,a private toll road( Sasabe-Altar or even Santa Ana-Caborca)or even a road into a gated development....maybe Our resident insurance expert can shoot this down.
 
P

PitiquitoRosy

Guest
jerry said:
Ok..not sure if this is true but I have heard you can have trouble if your accident happens in Mexico on a private road.Say a large ranch,a private toll road( Sasabe-Altar or even Santa Ana-Caborca)or even a road into a gated development....maybe Our resident insurance expert can shoot this down.
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You rang?? I'm trying to figure out whether you're referring to Mexico or US insurance on a private road. I just called one of our adjusters and he said insurance is valid on any road, private or public, in Mexico.
 
Roberto

Roberto

Guest
Progressive says they require that you carry Liability in Mexico from a Mexican company. I am wondering if a drivers license policy is adequate. Gotta check on that one.
 
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