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What Should I Do If I’m Involved In a Car Accident In Mexico?

Make sure you follow these 11 tips

BY JASON WAGNER

The Mexican Traffic Safety Research Center reports that Mexico registers 4 million car accidents every year, and the total cost of the accidents reaches over $10 billion dollars annually.

If you are involved in an accident in Mexico and no one is injured, it is always best to be prepared for the situation at hand. Discussed here are 11 essential tips that will help you at the scene of the accident and during the claim process. The laws and protocols when dealing with accidents in Mexico are different from other countries and to understand these laws and protocols will only help you, so you are better prepared. 

To avoid potential problems in the event of a car accident, having an active Mexico car insurance policy in hand is your first line of defense and will help keep you protected from the unexpected. Having the proper insurance in Mexico will help you deal with serious legal and financial consequences and will offer support when involved in an auto accident in Mexico.

TIP 1 – STAY CALM and FOCUSED: The first and most crucial action for you to consider is to stay calm and focused by protecting yourself, your family, third parties, and your property. Immediately after an accident, there will be many emotions to manage. However, it is highly recommended to remain as calm as possible and tend to any personal injuries you or your passengers may have sustained. In Mexico, it is important to remain at the scene of the accident until the proper authorities arrive, so the details of the accident are properly documented. There are of course exceptions to these rules if serious medical attention is required. 

TIP 2 – DOCUMENT: Take photos and video of the damage sustained to your vehicle and all other vehicles involved in the accident from multiple angles. Documenting any and all damage close and from afar of the entire scene is highly recommended. 

You can imagine that there will be a lot going on at this time, so collecting photos and video will help tell the story of the accident at a later time, when for example your insurance adjuster is involved and has requested to understand the full scope of the accident. 

It is recommended that taking photos and video of the other vehicle’s license plates, Mexico insurance policies, and drivers’ licenses are the fastest and easiest way to build your digital claim file. Also, if you or your passengers have sustained any injuries, be sure to document this just the same.

TIP 3 – CALL FOR HELP: Dial 911, the emergency hotline in Mexico, and make sure medical help is dispatched to tend to anyone with severe injuries and the police to make an accident report. Remember that the accident report is vital for you to file a claim to your Mexico insurance provider.

TIP 4 – READY THE ESSENTIALS: Prepare your essential identification documents to present to the police when they arrive at the scene. These include your passport, visa, driver’s license, valid registration, and an active Mexico auto insurance policy.

TIP 5 – CALL YOUR INSURANCE PROVIDER and REPORT YOUR CLAIM: You are REQUIRED to Report your claim to your Mexico insurance carrier FROM MEXICO AND BEFORE YOU RETURN TO THE UNITED STATES. Failure to report your claim before returning to the United States will result in your claim being denied as this is a requirement in the terms and conditions of your Mexico car insurance policy. I always recommend to my clients to call their Mexican car insurance provider as soon as possible and report the accident and file their formal claim. Request a field adjuster to come to the scene of the accident for assistance when dealing with Mexican authorities.

TIP 6 – AVOID GOING TO JAIL: In Mexico, “YOU’RE GUILTY UNTIL PROVEN INNOCENT.” Kind of scary if you are from the United States or Canada and not used to these types of Mexican laws. All involved in the accident will be taken into custody to identify who caused the accident and to make sure that the person at fault is capable to cover the expenses of the damages. 

If you have a valid and active Mexico car insurance policy, then feel assured that you have legal bond included and have met the requirements of Mexican law. 

Although there is no guarantee that the local officials will not detain you, knowing you have a Mexico car Insurance policy issued by West Coast Global Insurance Services will assure you have a reputable Mexico insurance carrier providing coverage and protection for your financial responsibility.

TIP 7 – DON’T SIGN ANYTHING: If you are handed any document at the scene of the accident and forced or asked to sign, DO NOT SIGN this agreement without knowing 100% what you are signing. Signing a settlement agreement or accepting payment from anyone involved in the accident will void your Mexico insurance policy. We strongly recommend consulting with your field adjuster assigned from your insurance company before you sign anything. You do not want to regret making a decision that may result in your claim being denied because you entered into your agreement which forces the Mexican insurance company from being able to be involved any further in the claim.

TIP 8 – KNOW THE RISKS: Remember that driving in Mexico without car insurance is illegal, and plain and simple, just NOT A GOOD IDEA. Additionally, there is a good chance you will land yourself in jail if you are unfortunately involved in an accident. However, with an active authorized Mexican car insurance policy, you will be protected from the unexpected and have the financial and legal strength of an “A” rated Mexico car insurance carrier by your side providing you peace of mind.

TIP 9 – KNOW YOUR POLICY: Not every Mexico car insurance policy is written the same.

Did you know that U.S. and Canadian vehicles are not insured with the same type of policy that a Mexico-registered vehicle is secured with? If after a claim, you find out that the policy written on your vehicle was issued with the wrong insurance program, meaning a Mexico registered vehicle was insured on a Tourist auto policy, or vice versa your claim will be denied for not having a valid policy. You will have wasted your hard-earned dineros and are now stuck with a bill to repair your car 100 percent out of pocket. Double check your policy declarations page to be sure your policy is written correctly.

TIP 10 – PERMISSION TO DRIVE YOUR VEHICLE: If you decide to hand your car keys over to a friend to drive your vehicle, it is essential to know that you are now handing over the insurability and decision making of your vehicle to that person. This means that if your vehicle is in an accident and your friend negotiates to have your vehicle fixed by a third party, then this will void your Mexico auto insurance policy. This person can negotiate on your behalf due to you permitting them to drive your vehicle; they now become the insured on the vehicle and have the authority to act on your behalf. Please note, as mentioned previously in the KNOW YOUR POLICY section, that some Mexico auto insurance policies written for U.S. and Canadian vehicles do not extend protection for Mexican Nationals when driving under these insurance policies.

TIP 11 – ASK YOUR AGENT: If you have any questions about your Mexico auto insurance policy, ask your licensed insurance agent to provide you the details of your policy. Request a copy of the policies terms and conditions, which should be provided to you in Spanish and a courtesy copy in English. Please note that the Spanish-written policy conditions will always prevail in Mexico.

IN-Closing: Driving in Mexico and especially in Baja can sometimes be a challenging experience, accidents & fender benders can occur in a blink of the eye and some say it’s best to be a defensive driver rather than an offensive driver. Always be aware of your surroundings, limit your driving at night and contact Jason Wagner of West Coast Global Insurance Services for ALL your Insurance needs in Mexico. With over 16 years of focused experience protecting our clients’ Assets & Health in Mexico, we assist our clients with the Best Coverages and Pricing available. 

When was your last Mexico Insurance Review? Purchasing Mexico car insurance has never been easier with our Quote and Apply online platform. Quote up to 5 Mexico car insurance carriers at the same time with flat deductible options, policies in English, and the ability to purchase and print your policy online securely in just a few easy steps.

Reliable Mexico Insurance Protection for all Vehicle Types & Registration Types.

Are you Protected from the Unexpected? Jason Wagner & the West Coast Global Insurance Team!! Contact our office by: email WCGN@InsureMeWC.com or 

Call us at (818) 788-5353 Website – www.InsureMeWC.com 

Disclaimer: Review the policy conditions attached to your insurance policy in Mexico. Each Mexico insurance carrier and policy is written with unique terms and conditions. This article was written to provide an outline of what to expect when involved in an auto accident in Mexico. Details within this article are subject to change based on individual occurrences, companies and persons involved.

Amazing Guitar Player Jake Allen Coming to Baja

Sharing the stage with two renowned Baja veterans: Alex DePue & Miguel De Hoyos

With only two dates in Baja, Friday January 21st in Ensenada (La Marina Restaurant & Cantina) and January 23rd in Rosarito (Quinta Los Delfines), Jake Allen along with beloved artists Alex DePue & Miguel De Hoyos are planning to rock the coast.

Jake Allen crafts a kaleidoscopic sound that plunges the curious listener into a world of endless sonic possibilities, incorporating prog-pop, waves of ambient instrumentals, and complex musical layers. Allen showcases the guitar, harnessing every nuance of the instrument and transforming it into an ethereal, shape-shifting creature that bends both notes and time.

Allen explores numerous musical styles with his guitar wizardry, ranging from lullaby-like dreams to burgeoning anthems. A documentarian of sorts, Allen’s immersive storytelling and emotional vocal performance offer a multi-timbral journey through time and space. The constant groove of driving drums, bewitching guitar hooks, and the whisper of a longing voice spark wonder, evoking similarities to pop music’s golden ‘90s era. His fourth album, “Affirmation Day” provides a snapshot of shifting perspectives and personal growth through the means of signature fingerpicking, percussive guitar tapping, and lush musical arrangements.

Allen is heavily involved in every stage of the studio process, including writing, producing, and mixing his own albums, as well as performing each instrument. When translating to a live setting, Allen either synthesizes the components of his studio albums into an eclectic solo performance, or stays true to his lush productions with the Jake Allen Band. This dynamic approach allows the freedom to perform both alone and as a fully-outfitted collective, capable of rendering the full span of Allen’s recordings.

As a solo artist, Allen utilizes impeccably timed live looping to create a captivating one-man show. Steeped in years of live performance and well-versed in an array of instruments, Allen’s dexterity is only amplified when he wields a single guitar. In an almost hypnotic display, he explores every inch of the instrument with unwavering confidence and creativity. Strings dance as they are plucked awake from their resting tension; percussive rhythms echo; harmonics ring brightly; and intricate chords emerge from each warm strum.

Despite an endearing nomadic tendency that comes naturally with the territory of touring musicianship, Allen has a knack for finding his way back home to the peaceful refuge of Northern Michigan between travels.

Early on, Allen’s path was shaped by a musical upbringing and the tension that accompanies a life devoted to the arts. Spending a number of years wandering through the proverbial (and sometimes literal) wilderness of the music industry, Allen has released four albums, toured tirelessly across the country and overseas, and laid the kind of robust foundation capable of sustaining a long and flourishing career.

While continuing to evolve as a prolific artist, Allen’s work has garnered a loyal fanbase , resonating with both audiences and critics alike. Vents Magazine noted his “masterful guitar work” that “melts in your heart,” while Music Emissions praised his ability to “make traditional sounds relevant in the modern era.”

Allen has shared the stage with The Accidentals, Keller Williams, Mike Dawes, Andy McKee, and Guthrie Govan. His performances have included NAMM, Hoxeyville Music Festival, Blissfest, and Winnetka Music Festival. He is endorsed by Takamine Guitars and has traveled to Europe, China, Japan, and Russia as a clinician for the guitar company. He is also sponsored by ToneWoodAmp, Apex Strings, Rees Harps, and Wazinator Stomp Pads.

The first show will take place at La Marina Restaurant & Cantina in Punta Banda, south of Ensenada on January 21st. Tickets are just $25, and you can start your evening with a 5PM dinner at La Marina (not included on ticket price) just in time for the show at 6PM. Tickets for the event can be purchased at www.the-fiddler-llc.com or by paypal at thefiddler@hotmail.com.

The second show, at Quinta Los Delfines in Rosarito, will take place two days later on Sunday, January 23rd starting at 2:00PM. Tickets for this event will be $49.99 including three course meal and one drink. For reservations call David at (203) 982-3205 or email quintalosdelfines@gmail.com.

Don’t miss this rare opportunity to enjoy a live show with such astonishing talent, get your tickets today as they are limited! ,

Border To Be Opened For Non-Essential Travel

Finally! After 19 months of border closure for non-essential travel, the border will be open again for anyone wanting to visit the USA. Authorities from the US have already stated that proof of vaccination will be required to cross the border, and that only vaccines authorized by the FDA or the World Health Organization will be accepted as valid.

This is generating a new problem since over 90,000 persons in Baja California were vaccinated with the CanSino shot which is not currently FDA or WHO approved. Mexican authorities are urging the WHO to approve the vaccine in order to avoid these huge group of the population to get a second shot of another valid vaccine.

Beginning January, all foreigners crossing the border, by land or air, will be required to have a vaccination proof with them, even if they are travelling for “essential” reasons, said Paola Avila, Chief of Staff of San Diego’s Mayor Todd Gloria

Santini Gallery Presents the Most Recent Work of Juan Angel Castillo

Giorgio Santini Gallery presents the most recent work of Master Juan Angel Castillo in an exposition titled “Quijote’s Panoply” which will take place on October, Friday 22 and Saturday 23 from 6:00pm to 9:00pm. In this exposition a series of 21 works recently created by the artist.

Juan Angel Castillo is one of the most important and influential painters from Baja California, unique in his genre, that has won national and international recognition. His works can be found within important public and private collections.

Owner of a masterful technique acquired along more than 50 years of tireless and perseverant creativity, Castillo portrays 21 Quijotes that will be presented in the “Quijote’s Panoply” exhibit, which will be an impressive sample of his talent.

This free admission event, will be a unique opportunity to socialize with the artist and his work in the premises of the Giorgio Santini Gallery where the work of the best artists in Baja California is presented in a dignified and careful way.

The Giorgio Santini Gallery is located on Km 40 of the Rosarito – Ensenada free road, in the Santini Plaza. Call or WhatsApp (661) 126 5988 or email giorgiosantinigallery@gmail.com for more information.

Tijuana Has a New Amazon Warehouse

So, as you may have heard, Amazon has built a 344,000 square foot warehouse distribution center in the heart of Tijuana, in one of the city’s poorest neighborhoods, even by Tijuana standards. The shiny white $21 million (US) structure overlooks Colonia Nueva Esperanza’s shacks of discarded wooden pallets, cardboard, tarps, and any material that can be used for escaping the elements. Needless to say there is neither running water nor electricity available to this neighborhood.

Tijuana’s Department of Economic Development intimated that living conditions could improve with the Center’s opening. This begs the question, would Bezos even consider parting with .000001% of his cash hoard to reconstruct these people’s homes, or relocate the affected patrons to a better area? Many officials don’t seem to care as this area is deemed an “illegal neighborhood.” One reporter told me it is because “they don’t pay property taxes.” I couldn’t tell if he was pulling my leg, or not. At this time there is no official plan to relocate those in this north east neighborhood, although they may be offered “more dignified living options” in the future, says Tijuana’s Mayor Karla Ruiz.

Mayor Ruiz believes that the installation of such a major corporation will improve the lives of the locals. “If you change an environment, it transforms the surrounding area.” Really? Or does this just mean that Amazon will “donate” a pallet of cardboard box material and packing tape to “improve” these Tijuana homes.

The eleventh in Amazon’s fleet of warehouse distribution centers, which was set to open in late September, will purportedly employ 250, but no word was mentioned of where these employees are being hired. Probably not to those staring at the gleaming structure in their front yard. This center will only serve customers of Mexico, so it was not a cheap land grab for SoCal Amazonians. Amazon promises same-day delivery to Tijuana and next-day delivery to the cities of Tecate, Rosarito, Mexicali, and Ensenada.

San Diego’s CBS channel 8 reports that a statement from Amazon informs that the company has created more than 15,000 jobs in Mexico, and with the 250 in Tijuana will provide an “industry-competitive salary and benefits for all our employees, such as health insurance, life insurance, saving fund, and food vouchers.” Where do I sign up?

Amazon’s warehouse distribution center may only be just the beginning. There are five other industrial buildings in the area, and Pedro Montejo Peterson, President of the Index Zona Costa hopes that more developers return to the area to build additional industrial buildings which would “invite” other companies to Tijuana.  There is a buzz that other companies are thinking about branching into Tijuana, for its close proximity to the United States. Enough positive change could really help the poorer residents, provided there is an active “trickle down” of advantages. The sad news is that even if the companies move to northern Baja, will they draw from the local workforce, or import workers from the southern United States. Sending the money north over the border will not help these areas at all.

This could mean that our roads will soon be jammed with large Amazon trucks going to and fro. Not a pleasant thought. Now it is no secret that I am an avid Amazon shopper. If I still lived in California I would probably have three or four shipments a week on my doorstep. However, living where I do, in a gated community, sometimes with no one at the gate to let delivery drivers (or anybody else) in, I would probably never use Amazon Mexico for purchases, even with next-day delivery. I performed a legitimate scientific poll of other Amazon users (everyone dining in a local restaurant patio) and all of the stated that they would continue to order their Amazon purchases shipped to their American postal or home addresses, and bring them over the border as they have always done.

Okay, so I sound like a bit of a downer, but I really want to see my local economy thrive. And we can start with those that have the least.

Que Pasa in Baja

Minors to get COVID vaccine in Baja. This past October 1st, Alonso Perez Rico, head of the state health office stated that they had already started registering kids from 12 to 17 years old with comorbidities that make them more susceptible to serious infections.

The acceptable diseases that would allow minors to get a vaccine are chronic cardiac disease, pulmonary disease, kidney disease, teen pregnancy, spleen disfunction and others.

Perez Rico didn’t say when they were going to start with the vaccination, and he also did not provide with a timeframe on when healthy kids would be vaccinated.

Ensenada Mayor Under Hot Water. Armando Ayala, Ensenada Mayor, has landed himself in hot water because of his forced advances to the municipalization of the water company.

When the subject was debated in the local council, the municipalization was rejected with 8 votes against and 7 in favor; but just a few minutes after the vote, the mayor called for a new meeting, but he “forgot” to inform his opponents about the meeting. In this completely illegal new meeting, the municipalization of the water company was approved.

Now seven of those eight affected councilmen and women are demanding a trial against mayor Ayala which has already passed its first step which was the approval in the local council.

The Water Company Gets Their Electricity Cut Off. Tijuana’s water company was left without electricity for a week, after the federal electricity commission (CFE) decided to cut their power because they said they were owed over 8 million USD in past due bills.

The head of the water company, Eli Topete, confirmed that their power was cut off but said that they had reserves for 40 days to supply water to the population.

Topete said that their reason for not paying the bill was because they were being charged a “potency” surcharge in excess of the electricity they used and were trying to sort it out.

Fortunately, the state and the CFE were able to strike a deal 7 days later and they were able to turn the lights back on.

About 5,000 tires found at sea. A collaborative effort has taken place in Campo Kennedy, in the Punta Banda area of Ensenada where about 5,000 tires were found in the bottom of the sea.

With the help of 100 divers, 200 of these tires were taken out of the sea, with a couple thousand more still laying there.

Jorge Arturo Cruz Gayoso, coordinator of the environmental group “The sea is for everyone” stated that they have no idea who is responsible for all the tires there but that there is a space of about 500 square meters, with anywhere from 3,000 to 5,000 tires.

Cruises are back! After 19 months of absence, cruise ships are finally back in Ensenada. This past September 29, the Miracle cruise ship from the Carnival cruise line, docked in Ensenada inaugurating this new season of cruise ship arrivals.

The miracle came from Long Beach, California, with a total of 1,265 passengers and 934 crew members, about 67% of its capacity.

Cruises were an integral part of the Ensenada economy, and many businesses that catered to this sector only had to close their doors during the pandemic.

Baja relapses with COVID-19. Even though Baja California is the State with the highest vaccination rate in all of Mexico, it is also the only one that went back to orange from yellow in the epidemiological stoplight this week.

Alonso Perez Rico, head of the state health office, stated that the higher rate of COVID-19 disease came because of the lower temperatures that came on recent days.

Perez explained that the state is getting ready for the cold season, which is expected to bring lots of COVID-19 patients with severe cases.

Plate in CEART honors Jorge Luna. In order to remember and honor the work in favor of the childhood and youth of Rosarito that late Jorge Luna did, a plate was installed in the Graphic room in the CEART museum in Rosarito naming the room after him.

The room was the one that master Luna used for his classes, and an exposition of his work is being organized before the end of the current administration.

Costco buys an ambulance for the Cruz Roja. A brand-new ambulance, totally equipped with all the bells and whistles was bought by Costco Mexico and donated to the Cruz Roja in Ensenada.

Costco informed that this donation is part of their commitment with the communities where it does business and that since 2007, they have donated a total of 16 ambulances to different delegations of the Cruz Roja Mexicana.

Costco started operating in Mexico 29 years ago and has a membership base of 5.7 million in 39 stores in Mexico.

Wine Valley gets protection from state judge. The different wine valley winemaker associations received great news this week when a state judge approved their demand to force the city of Ensenada to apply the Zoning Regulation for the valley, which has been a little less than a recommendation for the current government.

The zoning regulation prohibits the development of housing projects, event regulations and the sale of small lots, all of which have been on the rise on the past few years, making the winemakers protest because of the water crisis that the valley is already suffering.

Giorgio Santini Art Gallery Brings Diversity to Rosarito

Art is a complicated endeavor, especially in Mexico where it’s not always easy for artists and collectors to find themselves, so it’s always a breath of fresh air to find out that someone is willing to risk his capital and reputation to represent renowned and new talents that come from our region, that is exactly what Aldo Santini is offering our community.

The Giorgio Santini Gallery of Fine Art was widely recognized in its previous stage, which lasted from 1999 to 2014, due to the high quality of its offer in works of art. Today in 2021 a new phase begins, preserving an elegant, neat, and professional proposal.

Aldo Santini, owner of the gallery, stated to this newspaper that his art gallery main goal is having a space in our area that supports artist by being able to showcase their art in a setting made specifically for contemplating it.

Since May 13, the Giorgio Santini Gallery of Fine Art reopened, now located in Santini Plaza, it returns and continues to offer art lovers and collectors the work of nationally and internationally renowned artists, including: Francisco Zúñiga , Juan Ángel Castillo, Enrique Avilez, Danielle Gallois, Hugo Crosthwaite, Jaime Carbó, Ernesto Azcarate.

Santini explained that the art his gallery sells is not only a great decoration for a house or business, but it could also be a great investment if you know what to buy: “Art has to be in the hands of collectors and museums in order to be valuable. That is what we are offering here, quality art that will increase its value over time if you ever want to sell it”, he stated.

Cristina Rendon, manager of the gallery, told us that while they do sell art in the gallery, that is not the only goal for them: “Promoting art has several benefits, and they are not always economical, society as a whole improves when they are exposed to art and this gallery helps with that, anyone can come in and appreciate the art even if they are not buying, we even offer workshops with master artists every once in a while.”

Among bronze and adobe sculptures by Azcárate and Avilez, between marinas and Quijotes by Juan Ángel Castillo, acrylic paintings by Danielle Gallois and Jaime Carbó, drawings by Francisco Zúñiga and Hugo Crosthwaite, Aldo Santini told us that his gallery is also an effort to show the world that Rosarito is a lot more than loud crowds on weekends and spring break.

If you want to know the Giorgio Santini Gallery of Fine Art and enjoy a close experience with the art that it promotes, you can visit its facilities located at km 40 of the Rosarito-Ensenada free highway, at 11 a.m. at 7 p.m., from Tuesday to Sunday, or by appointment at tel. (661) 126 59 88.

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