Mexican Auto Insurance Home Page

FAQ — Frequently Asked Questions

Why is the premium so inexpensive compared to other companies?

Why do I have to fill out an application or endorsement form?

Who can drive?

Does my US / Canadian vehicle registration need to be current?

Do I have to carry US / Canadian insurance as well as my Mexican insurance?

What happens if I have a claim, do I call you?

Do the adjusters speak English?

Do you have offices all over Mexico?

Does Lewis and Lewis offer US / Canadian Insurance?

Can I insure a rental car?

Can I insure a motorcycle?

Can I switch vehicles on my policy?

Am I covered if an uninsured motorist hits me?

What is considered Business Use?

Is the VIP Endorsement a good thing to add to my coverage?

Q. Why is the premium so inexpensive compared to other companies?

A. The Law of Large Numbers and our relationship with the underwriter. We have thousands of vehicles insured in our fleet portfolio of clients, which generate an excellent loss ratio of around 29.5% to 34.95% per year. The client and the Company benefit, it’s a win-win for all parties involved.

Q. Why do I have to fill out an application or endorsement form?

A. The underwriter requires that the client submit all new vehicles, changes of vehicle, changes in value, etc. in writing. We cannot take that information over the phone. We can mail or fax an application, or you can find one on line to print, or submit electronically.

Q. Who can drive?

A. Lewis and Lewis Tourist Mexican Auto Insurance policies are available to every one except Mexican citizens who reside permanently in Mexico*.

Eligible people include:

(*) Mexican citizens are eligible if:

If you are unsure about your eligibility, please call us at (310) 207-7700 or (800) 966-6830, and we will be happy to review it for you.

If you are unsure about your eligibility, please call us at (310) 207-7700 or (800) 966-6830, and we will be happy to review it for you.

Q. Does my US / Canadian vehicle registration need to be current?

A. It is recommended that you have current US / Canadian registration of your vehicle, to avoid any and all problems that may arise with the Mexican authorities. However, your Lewis and Lewis Mexican Tourist Auto Insurance policy through Qualitas will be valid with or without current registration.

Many of our clients have found that when registering the vehicle in South Dakota, Vehicle registration will have to be brought current prior to settlement of a total loss claim.

Q. Do I have to carry US / Canadian insurance as well as my Mexican insurance?

A. No, you do not need to carry US / Canadian insurance for your Lewis and Lewis Mexican Tourist Auto Insurance to be valid. However, the policy you purchase from Lewis and Lewis does not cover you in the USA, Canada or outside of the Republic of Mexico.

Q. What happens if I have a claim, do I call you?

A. In the event of an accident or theft, you must file the claim while you are still in Mexico. You can do this by calling the toll free Claim Hotline from Mexico, dialing:

01 800 00 49600; 01 (800) 800-2880; 01 (800) 288-6700 or using a foreign telephone with international service (55) 5258-2880 (foreign in Mexico would be USA or Canada). You will be assigned a claim file number, and a local, available adjuster will be dispatched to you. Do not call Lewis and Lewis to file your claim. If you have an existing claim (that has been filed and is being worked on) that you are in need of help and / or information about, Lewis and Lewis can help to act as a liaison between you and the Company.

Q. Do the adjusters speak English?

A. Yes.

Q. Do you have offices all over Mexico?

A. Lewis and Lewis is an agent for the underwriter, Qualitas Compania de Seguros, S.A.de C.V.. We have one office in Los Angeles. However, Qualitas has offices and adjusters throughout Mexico.

Q. Does Lewis and Lewis offer US / Canadian Insurance?

A. Not currently

Q. Can I insure a rental car with Lewis and Lewis?

A. Only if it is coming into Mexico.

Q. Can I insure a motorcycle?

A. Yes

Q. Can I switch vehicles on my policy?

A. You may change vehicles on your policy once in the policy period. There will be a $37 endorsement fee. There may be an additional premium if the value of the “new” vehicle or trailed unit is of a higher value than what was previously insured.

Q. Am I covered if an uninsured motorist hits me?

A. If you have purchased a full coverage policy, yes, you are covered for collision no matter if the other party is insured or uninsured. Please see your policy for details of coverage. If you would like to increase your medical payments, in the event that the other party is not insured, you can purchase the Uninsured Motorist Option that will increase your medical payments limit to $20,000 per person / $100,000 per accident.

Q. What is considered Business Use?

A. Any use of your vehicle for business purposes. Transporting people and/or materials for business purposes. However, a livery service (i.e. taxi) cannot becovered. If you use your vehicle for business there is an additional fee of 20% of the base premium.

Q. Is the VIP Endorsement a good thing to add to my coverage?

A. Yes. The VIP Endorsement adds coverage for Vandalism, Partial Theft, Flood and Emergency Expenses all of which are not covered by the standard policy. The VIP Endorsement also reduces the glass deductible. The cost is an additional 15% of the base premium. Please read more about it in the VIP section to make an informed decision.