The insurance scenario you are using would work with a legally current registered Mexican vehicle as well – the conundrum is keeping registration on a U.S. licensed vehicle. Also generally insurance companies do not take to interrupted service as well.

It seems to me that if they can figure that one out the rest would be a no brainer?

But also as you suggest this is perhaps muy difficult now that the insurance companies have been lobbying the government to their advantage for many years – let us know what you find out.

Juan

We have three vehicles & two drivers, and insure all three (also with Geico). Prior to my recent retirement, two were needed daily (no public transportation or park & ride or similar things available); the third, a vehicle that was almost never used, was basically a “security” thing to make it look like someone was home during the day (also served as an emergency back up).

Now that we’re planning to spend some time in Mexico, we’ll be faced with the same annoying and costly issues. There may be one other alternative. Consider the following:

In the 70′s my dad got perturbed with high auto insurance rates & refused to keep paying them. He then became “self insured” by posting a bond (fairly inexpensive is my recollection) with the state of Louisiana that basically said that he was personally responsible for XXX $$$ if he caused an accident or injury to another while driving x or x vehicle. He carried a copy of the bond document in both of his vehicles.

I’m not sure who he went to, to accomplish this, but know that he did it & it was kept “in force” until he died.

We think that we may look into something similar, but suspect that the “insurance lobby” in our state, which has increased in strength during the last 30 years has lobbied to get that “loophole” removed.

Worth checking into.

BJ

Like all insurance, if damage or “medical related stuff” exceeds the limits of the policy, the injured can follow up by suing the individual if they haven’t already agreed to pay the excess amounts.

I’m pondering these car insurance questions myself. So far, I just pay. The time is coming though when it won’t be even marginally worth it and I’ll have to find another solution. I’m hoping to put my RV and car in ‘off road’ status with my insurance but I doubt it will work.

Friends ‘thought’ they had done that when they took a Vanagon to South America for a year. On returning it to the US they discovered that even though they paid a small ‘unused’ fee to the insurance company, their costs went back to the level of someone with interrupted insurance – much higher.

I even hate that they print all their legal outs on crappy onion skin type paper that is hard to read and separate. I don’t think there is a single thing I find positive about dealing with any insurance company. Sometimes it is just less painful than others.