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What Insurance is Needed When Driving in Mexico

Posted on by agentinsure

Driving in Mexico is not like driving in the United States. Everyone needs auto insurance from Express Insurance. Especially in the border towns, an automobile with license plates that are from the USA is an automatic target for trouble. This does not mean an American cannot drive their vehicle legally in Mexico. What is does mean is to drive a car with USA plates in Mexico is asking for trouble.

Here are a few common things that happen:

  • Police stop the vehicle for no reason – They will say things like you did not stop at a red light, when there is no traffic signal for miles.
  • ‘Supposed” police are Imposters – Just because a car or SUV has lights that make it appear to be a car of law enforcement; it is not necessarily a police car.
  • Mexican police regularly accept bribes – This is “mordida.” The bribe is usually just slightly less than the cost of the infraction. Simply hand this amount in an elegant, somewhat secretive, way to the palm of the police officer. In most cases, they will let you go. It does not matter at all if you did something wrong. In fact, you may have done nothing wrong at all. Nevertheless, the cost of paying this “mordida” is less that the cost of paying the fine in the police station. In Mexico, the police that actually put the paperwork to the police station get the assumption by the judges to be telling the truth. The judge will most of the time agree with the police officer.
  • Auto insurance in Mexico does not help at all in the case of a car accident. If no one is seriously hurt and only the cars have damage, the police officer serves as the final determinant of who is at fault for causing the accident. The expectation is to pay for the damages on the spot. Auto insurance is good but the money comes from the insurance company much later.

Summary
Auto insurance from Express Insurance helps. It is best to carry some money with you to pay on the spot to settle a claim from a traffic accident in Mexico. Get auto insurance from a trusted dealer in USA and carry some cash along for additional problems that might arise.

Halloween Home Safety – 4 Tips

Posted on by agentinsure

One of the most enjoyable parts about Halloween for most adults is handing out candy to all the adorable trick-or-treaters. However, it is important to make sure your home is a safe place for area children. Here are four tips to consider.

#1: Cleanup Your Yard

Keeping your yard tidy for trick-or-treaters is essential to safety. Put away any garden hoses or other outdoor items that pose a tripping risk. Fill in any low areas or holes to help keep small children from not seeing them and falling. And make sure all low tree branches are trimmed to eliminate bumped heads as the kids make their way in a hurry from the sidewalk to your door.

#2: Ensure Your Property is Well-Lit

It is also important to ensure that your property is well-lit on Halloween night. Turn on your porch light and as many exterior lights as possible to help trick-or-treaters see the path to your door. Not only does this let neighborhood parents know that you are home and handing out candy, making sure your home is illuminated provides an extra level of safety. However, try to avoid candles and other open flames as lighting sources, as they come with an increased fire risk.

#3: Secure Your Pets

Another way to ensure everyone has a happy Halloween is by securing your pets. New visitors can sometimes be alarming to dogs and cats, causing them to try to run out the door each time a new trick-or-treater arrives. In some cases, this can lead to bites, lost pets, or animals being hit by a car and injured. The best course of action is to keep your feline friend or canine companion in a special room or kennel crate until the festivities are over.

#4: Make Sure You Have Adequate Homeowner’s Insurance Coverage

While many people find looking through their homeowner’s insurance policy a bit daunting, there’s definitely nothing spooky about making sure you’re covered for Halloween guests. Anytime you have visitors to your property, you run the risk of having a liability claim against your coverage if that person becomes injured on the premises. This is true even in the case of trick-or-treaters, so it is always wise to double check before the day arrives.

Of course, reviewing your home insurance policy doesn’t have to be difficult. Please contact our team at Express Insurance today for details.