Mexico Vehicle Insurance – Important Insurance Terms and Conditions

APPLYING FOR LEWIS AND LEWIS
MEXICAN AUTO INSURANCE-

FAX: Fax the completed Lewis and Lewis Insurance application to

MAIL: Mail the completed Lewis and Lewis Insurance application to:
Lewis and Lewis Insurance Agency, Inc.
11900 West Olympic Blvd. #475
Los Angeles CA 90064

We can usually issue your policy the same day that we receive the application. If you have included a return fax number or e-mail address on your application, we will send your policy to you via USPS first class mail and fax or e-mail a copy of your policy to you. The original policy is most often mailed out the same business day that the policy is issued.

IMPORTANT INSURANCE TERMS

Effective: This is the day the policy starts.

Expiration: This is the day the policy ends. Unless stated otherwise, the Effective and Expiration time is Noon PT.

Other Drivers: With your permission, any Tourist with a valid driver’s license may drive the vehicle whether they are listed on the policy or not. If you should so choose, you may list the name of any Tourist possessing a valid driver’s license as an operator of the insured vehicle. A Mexican National who is a permanent resident outside of Mexico with a Green Card is also considered a Tourist and can be listed as a driver on the policy.

Vehicle Data: If you have Full coverage, the current market value of your vehicle is stated. If you have Liability Only coverage, the vehicle value stated is $0. It is mandatory that all towed units, campers, and attachments are listed on the policy even if you only wish to cover them for liability.

WATERCRAFT / OUTBOARD MOTOR / TRAILER / SPECIAL ACCESSORY / CAMPER / VEHICLE IN TOW / ATTACHMENTS: If you have Full coverage, the current market value of your towed unit is stated. If you have Liability Only coverage, the towed unit value stated is $0.
Each Self-Propelled Vehicle Requires a Policy.

CAMPER SHELLS and Cab-Over Campers: Camper shells are considered part of the vehicle and their value needs to be included in the current market value of the vehicle. Campers and/or Cab-Over Campers need to be fully described with their current market value stated separately.

Current Market Value or Actual Cash Value: This value is the amount that the insured unit could realistically be sold for on the market today. It is the cost of replacing damaged or destroyed property with comparable new property, minus depreciation. In case of a total loss, Qualitas Compania de Seguros S.A. de C.V. will adjust on the basis of the actual cash value at the time of the loss. It is imperative that a realistic Current Market Value of your vehicle be determined and stated on the policy. Overstating or understating the value of Vehicle, watercraft, trailer, Camper or Unit in Tow may result in financial penalties in the event of a loss.

Please consult the Kelley Blue Book: http://www.KBB.com or
Nada Guides: http://www.NADAGUIDES.com

Combined Single Limit (CSL Liability): A limit of liability for Bodily Injury and Property Damage coverage expressed as one single amount of coverage protection.

COVERAGE TERRITORY ZONES

Plan A (Limited Territory): Includes Baja California Norte, Baja California Sur, Sonora, Sinaloa, Chihuahua, Durango, Coahuila, Nuevo Leon, Tamaulipas, San Luis Potosi, Zacatecas, Nayarit, Jalisco, Aguascalientes, Colima, Guanajuato, Queretaro, and Michoacan.
Plan A Covered Territory Zones

Plan B (Full Territory): Includes the entire Republic of Mexico.
Plan B Covered Territory Zones

SPECIFICATIONS OF RISKS AND LIMITS

Risk 1 – Collision, Overturning, and Glass Breakage covers damage to the insured units. An obligatory deductible* applies.

Risk 2 – Total Theft, Fire, Lightning and/or Explosion, Strikes and Riots, Popular Uprisings and resultant Malicious Mischief, Natural Disasters of Cyclones, Hurricanes, Hail, Earthquakes, Volcanic Eruptions, Avalanches, Flooding, Land or Rock Slides, the Fall or Collapse of Constructions, Buildings, Structures, and Falling Trees or Branches covers damage to the insured units. An obligatory deductible* applies. There is no coverage for partial theft or vandalism unless the optional insurance “VIP” Endorsement (Vandalism, Partial Theft, Flash Flood & Emergency Expense) is added to the policy.

Risk 3 – Property Damage Liability and
Risk 4 – Third Party Liability covers Bodily injury to parties other than the insured and damage to property of others resulting from the use of the insured vehicle. $500,000 Combined Single Limit Liability. Risk 3 and Risk 4 Coverage excludes and does not apply to occupants of the insured vehicle.

Risk 5 – Medical Payments limits of $10,000 per person, $50,000 per accident coverage for expenses incurred by the occupants of the insured vehicle as a result of bodily injuries sustained aboard said vehicle caused by Fire, Collision, and/or Overturning. The Mexican Insurance Company shall pay funeral expenses to a maximum of 25% of the per person limit. Medical Payments coverage includes the reasonable expenses for transportation to the nearest hospital or healthcare facility that could be able to treat those injured.

Qualitas Legal Service $100,000 for Bail Bond, Attorney, Civil and Criminal Defense resulting from the insured vehicle being in an accident.

GRUPO AUSA Tourist Travel Assistance International Air Ambulance for a Life Threatening Illness or Accident plus Vehicle Breakdown Coverage.

*Deductibles

• There is an Obligatory $500 Deductible* for each Collision, Overturning and Glass Breakage Loss applied to each respective insured unit damaged.
• There is an Obligatory $500 Deductible* for each Total Theft Loss applied to each respective insured unit that is stolen.
• There is an Obligatory $500 Deductible* for each Fire, Lightning and/or Explosion, Strikes and Riots, Popular Uprisings and resultant Malicious Mischief, Natural Disasters of Cyclones, Hurricanes, Hail, Earthquakes, Volcanic Eruptions, Avalanches, Flooding, Land or Rock Slides, the Fall or Collapse of Constructions, Buildings, Structures, and Falling Trees or Branches Loss applied to each respective insured unit that is damaged.

*For Motorhomes, Travel Trailers, 5th Wheels and/or Cab over Campers, the Obligatory Deductible is $1,000

LABOR RATES

Qualitas pays the USA or Canadian hourly labor rate if the vehicle is repaired in the USA or Canada respectively. The Insured selects 2 repair shops and takes the damaged vehicle and/or towed units to the repair shops (Not by photo). The 2 estimates are sent to Qualitas for a cash settlement of the claim. Mexican IVA sales tax is the only sales tax Qualitas can pay and only for repairs made in Mexico performed by the network of repair shops that collaborate with Qualitas as these shops issue a fiscal invoice which meets all the formalities that the Mexican tax authority requires.

OPTIONAL INSURANCE

• Increased Liability: Increases the insured Liability amount to a $750,000 or $1,000,000 Combined Single Limit respective of the premium paid.
• Uninsured Motorist Plus: Increases the insured limit of Medical Payments to $20,000 per person, $100,000 per accident. In the event that an Uninsured or Underinsured motorist damages the insured vehicle, the collison deductible charged will be $0. Adds Uninsured Underinsured Motorist Property Damage $3,500 to Liability only policies. Requires proof that the uninsured vehicle is infact uninsured.
• Watercraft Liability: Adds Liability of $300,000 CSL for WATERCRAFT not exceeding 28' WHILE AFLOAT OR BEING LAUNCHED.
• VIP: Adds Vandalism & Partial Theft $250 Deductible, Flash Flood $500 Deductible & reduces Glass Breakage Deductible to $100. Adds Emergency Expense for Lodging, Food, Clothing, and Transportation (limit is 2 times premium up to a $500 maximum).
• Business Use: Allows the insured vehicle to be used for business. Coverage does not extend to livery service operations.

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IMPORTANT

Immediately after the occurrence of an accident, The Insured must contact the Qualitas claim hotlione and the AUSA claim hotline. Do not enter into agreements and arrangements with the other party until the Qualitas or GRUPO AUSA adjustor is present. HOTLINE NUMBERS MUST BE CALLED FROM EITHER A MEXICAN LAND LINE or CELLULAR PHONE WITH INTERNATIONAL SERVICE and may be called 24 hours a day, 7 days a week. If calling from a Mexican Land Line -- PLEASE CALL THE QUALITAS CLAIM HOTLINE by dialing: (800) 800-2880 or (800) 288-6700 or (800) 004-9600. PLEASE CALL THE AUSA HOTLINE by dialing: (800) 262-6911. If calling from a CELLULAR PHONE WITH INTERNATIONAL SERVICE -- PLEASE CALL THE QUALITAS CLAIM HOTLINE by dialing: 011 52 (55) 1253-4736, and PLEASE CALL THE AUSA HOTLINE by dialing: 011 52 (55) 5061-6255. The required premiums must be paid on, or prior to, the effective date of the policy.

• Watercraft Coverage under this certificate is limited to physical damage sustained while watercraft/motor/trailer are in tow by or attached to the towing vehicle provided that full coverage has been purchased on these and the required premium has been paid.
• Coverage is only applicable to Vehicle/Watercraft/Motor/Trailer/Camper/Units in Tow or Attached and not contents/personal effects therein.
• A Motorcycle, ATC, or ATV is insurable. However, insurance coverage will exclude Medical Payments. The insured Vehicle must be street legal.
• Legal Service is underwritten by Qualitas Compania de Seguros S.A. de C.V. and is carried out solely by Qualitas representatives to cover the legal requirements in Mexico. Tourist Travel Assistance is underwritten by GRUPO AUSA and is carried out solely by GRUPO AUSA and its vendors.
• The foregoing is only a brief description of the policy coverage. Coverage is only applicable while the vehicle and units in tow are on regular roads in Mexico. Refer to the automobile insurance contract, optional coverages, specification of risks and general conditions, & any endorsements for the complete policy coverage explanation. The English text of this policy and all supporting documents are courtesy translations.

Revision 240701