Uncategorized

In Mexico, it is common procedure for the adjuster to be sent to the scene of the accident. In the United States, this is not the case. Claims are reported online or by telephone.

If you have an accident in the United States with your temporary USA insurance policy you must report it immediately.

The steps are as follows:

1. Report it to the U.S. police by calling 911.
2. Collect the other driver's data. Including the following:
   1. Name
   2. Address
   3. Telephone Number
   4. Insurance Company
   5. Your insurance company's policy number
   6. Witness names and contact information, if any
3. Report it to your insurance companyIf you are a National Unity customer, the telephone numbers are as follows:
   1. From the United States: 1-800-554-349
   2. From Mexico: 001-800-554-3498

It is important that you notify the company of communications you receive from the other driver or your insurance company. If you receive notice of a lawsuit, claim, or other communication you must inform National Unity or us, your insurance agent. Depending on the seriousness of the claim National Unity will make decisions as to how to proceed with the case.

Whether you plan to visit the United States on a road trip or you want to rent a car, there are things to keep in mind.

Mexico and the United States share almost 4,000 kilometers of border, along which there are numerous cities separated by the Rio Grande River or a border line, so the vehicular exchange is immense.

Thousands of people cross from one side of the border to the other in their vehicles, and all they need is a driver's license and vehicle insurance, but if you are thinking of entering the United States beyond the border, it is important to keep this information in mind.

According to the U.S. government's USA.gov website , U.S. citizens and residents are required to have a driver's license to operate a vehicle in the United States. These are issued by the Departments of Motor Vehicles of each state and the requirements vary according to the entity.

In the case of foreign tourists entering the country through any of its land entry points, they must have a valid driver's license issued in their country.

Some states will require an international driving permit in addition to a driver's license, so it is important to contact the department of motor vehicles in the states you plan to visit to find out the requirements.

According to the Miami Herald, only two organizations in the United States issue an International Driving Permit, AAA and AATA, which are authorized by the U.S. State Department.

USA.gov warns about the fraud of some online sites offering "international licenses" at high prices and claiming that they can substitute for the state-issued license that many undocumented immigrants lack because they do not meet the requirements.

But the fundamental requirement to be able to enter the United States with a Mexican car is to have insurance for the vehicle and the driver.

If you plan to travel in your car to the United States, ask your insurance agent for an English translation of your policy, so that in case you have to show it to an agent on the road there is no doubt that you meet the requirements of any driver in the country, also make sure you have a valid license issued in Mexico, an international driver's permit if required by the state you will visit.

It is obvious that in the border zone Mexican tourists can enter the United States driving their cars with Mexican license plates. Moreover, nothing prevents the trip from extending well beyond the border and reaching any of the 48 contiguous continental states of the country. That is, Alaska and Hawaii are excluded.

Requirements to drive a car with Mexican plates in the U.S.

Every day thousands of Mexican cars cross the border at the international bridges. Generally, they limit their trips to a few miles inside U.S. territory and return immediately, but nothing prevents them from staying longer and farther away from the border zone. To avoid problems, the following points should be taken into account:

First of all, the Mexican chauffeur must have a valid Mexican driver's license. In addition, if you are going into non-border states, it would be advisable to acquire an international driver's license, which is a translation of your license into several languages, including English, before leaving Mexico.

Second, the car must have valid license plates and registration. Third, keep in mind that at U.S. customs and borders, old cars may be refused entry for failure to comply with environmental requirements. Therefore, verify that you are up to date in complying with these requirements, especially when it is an old car.

Fourth, a Mexican car can be in the hands of a tourist for up to a maximum of one year. But, if you are going to be in the same state for more than 30 days, check with the Department of Motor Vehicles of the state you are in to see if there are any additional requirements to comply with.

It is important to note that a Mexican car can be legally in the U.S. for up to one year, however, that does not mean that the person driving it or all the people using it can be legally in the U.S. for that entire time.

Note that although the car can be legally in the U.S., in theory, for up to one year, this does not mean that the tourist driving the car or everyone in the car can be legally in the U.S. for that entire time.

It is necessary to look at the conditions of the U.S. visa with which you enter the country. If you have a laser visa, the time you can stay in the United States and the places you can travel to are more restricted than if you enter with a tourist visa.

Mexican auto insurance on U.S. highways.

Perhaps the most fundamental requirement **** is to have an auto insurance policy that provides coverage, at a minimum, for injuries to occupants and damages to third parties in their persons and/or property. And a certification of that policy must be obtained in English.

In many occasions, this Mexican insurance does not cover eventualities that may occur while driving the car in the United States. In this case, it is necessary to hire one that does provide this coverage.

In addition, it is important to include in this policy all possible drivers who will be driving the car in the United States, if more than one occupant of the car will be driving it.

These insurances can be contracted for a single day, for months or up to a year. It is very important to keep in mind that if you plan to travel through several states, the minimum coverage may vary. Make sure to comply with state laws, which can be consulted at each state's Department of Motor Vehicles(liability).

Buy online your car insurance for mexican tourists

You can purchase your insurance with National Unity at http://www.nationalunity.com/.

You can also purchase your insurance by buying our Unity Card at any 7 eleven if you are located in Nuevo Leon, Reynosa, Tijuana, Ensenada and Mexicali.

The auto insurance system in the United States, in many states is mandatory and if you are not familiar with this requirement you can have many consequences with the police and the Department of Motor Vehicles (DMV).

Why can't I keep my car without insurance?

You cannot drop your vehicle insurance while your vehicle is registered with the DMV. Although it is not a police ticket and has no legal repercussions with the DMV, it can be very costly, plus your license plates may be suspended and you will be stopped constantly by the traffic police.

But that's not all, you only have to miss one day's insurance payment to be fined by the Department and the charges will increase every 30 days.

Consequences

Obviously, leaving your vehicle without auto insurance is not a good idea and can have the following consequences.

1.- You could be sued

2.- If someone hits you, you may not be covered depending on the state you are in.

3.- You may have to pay for the expenses you incurred out of your own pocket.

The DMV will fine you (See the list of fees that state DMVs charge below).

5.- The DMV could suspend your license plates.

6- DMV could suspend your license (depends on the state)- Your car could be towed for invalid license plates.

So no, you cannot drop your vehicle's auto insurance while it is registered with the DMV or while you are driving it.

Each state has its own fines and penalties. Therefore, here we have gathered some of the fines that can be applied by the different state departments for not paying the auto insurance.

Alabama: $500-$1,000

Alaska: $500

Arizona: $500-$1,000

Arkansas: $50-$250

California: $100-$200

Colorado: $500

Connecticut: $50-$200

Delaware: $1,500-$3,000

Florida: $150-$500

Georgia: $25-$185

Hawaii: $500-$5,000

Idaho: $75-$1,000

Illinois: $500-$1,000

Indiana: $250-$1,000

Iowa: $250

Kansas: $1,000-$2,500

Kentucky: $1,000

Louisiana: $100-$700

Maine: $100-$500

Maryland: $1,000-$2,500

Massachusetts: $500-$5,000

Michigan: $200-$500

Minnesota: $200-$3,000

Mississippi: $500

Missouri: $500

Montana: $250-$500

Nebraska: $50

Nevada: $250-$1,000

New Jersey: $300-$5,000

New Mexico: $300-$1,000

New York: $150-$1,500

North Carolina: $50-$150

North Dakota: $150-$5,000

Ohio: $160-$660

Oklahoma: $250

Oregon: $130-$1,000

Pennsylvania: $300

Rhode Island: $100-$1,000

South Carolina: $100-$550

South Dakota: $100-$500

Tennessee: $25-$300

Texas: $175-$4,000

Utah: $400-$1,000

Vermont: $0-$500

Virginia: $500

Washington: $450-$1,000

West Virginia: $200-$5,000

Wisconsin: $510

Wyoming: $250-$1,500

You are traveling to the USA this holiday season:

Why is auto insurance mandatory in the USA?

When an automobile accident happens, who is responsible for the damages caused? And moreover, who is responsible for paying for them? For these reasons, it is mandatory to have auto insurance in the USA, so that the responsible party will be able to pay the corresponding expenses.

Although you may have an optional comprehensive and collision policy to cover your vehicle, the coverages required by most states' laws are bodily injury and property damage insurance.

These coverages, through state-specific limits, provide financial relief to victims of damage in an accident. Since your vehicle has the potential to cause physical or property damage, you need coverage that is sufficient to cover the related expenses.

Consequently, and unsurprisingly, in order to be able to drive legally you need car insurance in the United States. If your vehicle is leased or purchased with a loan, you will most likely need to purchase a more comprehensive insurance plan, such as comprehensive combined with collision, low premium and GAP insurance. This is because the third party, the dealer or bank, wants to protect their investment with a higher level of coverage.

Most states penalize an uninsured or underinsured driver with a hefty fine, although each state differs slightly in its penalties. For example, driver's license suspension in the following states:

- Wyoming
- West Virginia
- Colorado
- Alaska
- Wisconsin
- California
- Arizona
- Utah
- Connecticut
- Florida
- Texas

In other states, you could lose your car registration if you do not have the minimum amount of auto insurance. In addition to criminal penalties and fines, the other driver may sue you for vehicle damage and medical expenses if you caused the accident and did not have insurance.

Conversely, auto insurance can protect you from these lawsuits because your insurance company, once you file the claim, will direct any necessary payment to the other driver.