INSURANCE IN THE U.S.
-
The outstanding work we do at Seguros en Servicios Garita Otay through our Insurance Department provides our clients with security and protection from diverse risks, such as health, residential home, medical bills, life insurance, auto and transportation amongst others.
Coverage for civil liability for freight units is established by law in the U.S., and is regulated by FMCSA – DOT, exclusively for MX, MC, DOT, and CA authorities.
Limits may vary from 15 miles of commercial zone to coverage of the 48 states in North America.
-
Civil Liability Policies in the U. S. – Auto and Trucks
Civil liability coverage covers damage to third parties. Before crossing the border, it is mandatory to have an insurance policy with the requirements established by the California Insurance Department. -
Physical Damage to Autos and Trucks
Full coverage to bear the total loss or partial loss of the insured asset. -
Worker’s Compensation
Worker’s Compensation provides coverage for drivers in the case of a work- related accident or contingency. The insurance company is obligated to cover medical expenses as well as compensate the injured individual. -
Freight/Goods Insurance
Goods coverage. The insurance company is obligated to bear the purchased sum in case of an accident or total loss of loaded freight (general goods, perishables, electronics, etc.) -
General Liability
Carrier liability that applies when the driver is not at the wheel. -
Auto Policy (Private, Border Plates, Domestic, North American)
Contracting a civil liability policy guarantees the coverage and repairs to units in the event of an accident on U.S. highways. -
General Liability – Non-Identified Trailer-Haul Insurance
Coverage for box or platform: In case the equipment moved is not the property of its owner, and the proper owner is a third party, the insurance company is obligated to cover, in its totality, the loss or partial loss of the unit. -
Excess Policy
An additional individual coverage policy for major medical expenses or other types of risks. It usually operates upon a prior primary policy purchased, with the insured sum that allows addressing expenses not covered in the primary policy. -
Travel Insurance by Day (1, 3 & 7 days) in the U. S.
Civil liability coverage per trip, purchased for trucks departing from one point to its final destination. This applies to units without commercial permits and most of that are without plate registration from the DMV. Units are protected with property documentation and insurance.
Meet our E.U. insurance
- Civil Liability Policies in the U. S. – Auto and Trucks
- Physical Damage to Autos and Trucks
- Worker’s Compensation
- Freight/Goods Insurance
- General Liability
- Auto Policy (Private, Border Plates, Domestic, North American)
- General Liability – Non-Identified Trailer-Haul Insurance
- Excess Policy
- Travel Insurance by Day (1, 3 & 7 days) in the U. S.
INSURANCE IN MEXICO
-
Servicios Garita Otay offers you the best options for insurance protection in the industry. Our clients find a wide range of products from certified and trustworthy companies in the country.
Personnel at the company are direct insurance agents authorized by the Mexican Insurance and Bond Commission.
-
Civil Liability in Mexico - Autos and Trucks
The insurance contract covers damage to third party property, as well as medical expenses to the passengers. These vehicles are from Mexican origin and of commercial or private use. -
Auto Touristic Policies
Auto Touristic Policies are civil liability coverage for foreign vehicles that go into Mexican territory. These units shall have the benefit of being protected by diverse coverage. -
Touristic Commercial Policies (Tractors)
Touristic Commercial Policies are civil liability coverage for foreign origin units or with a Mexican Transfer permit. -
Transfer Policies, 20 Km (12 miles)
Civil liability coverage processed at the border. This policy is designed for freight units that cross onto Mexican territory with an entry limit. -
Full coverage – Auto and Commercial
Full coverage for theft, partial or total loss property, civil liability on goods and people, medical expenses and legal consultation. -
Freight Insurance- Travel to Mexico
Coverage purchased per trip in the case of loss or stolen goods. The insurance company is obligated to cover the sum purchased according to the contract in each case. -
Major Medical Expenses Insurance
It is highly important for Mexican residents to have an adequate Major Medical Expense Insurance policy that enables them to get the proper and timely medical assistance, in the most suitable medical facilities, in case of an unexpected event. This medical assistance shall also cover regular medical visits, consultations for surgery and prescription medicines, as well as payment in case of disability. -
Residential Home Insurance
It is highly important to have asset insurance. This policy guarantees coverage on your property and details in a contract the items and particularities of your assets in order to be insured in the case of an unexpected event caused by a natural disaster, or theft amongst other events. -
Repatriation Insurance
Coverage in the case of death in a foreign country, repatriation of remains, processing, paperwork with the insurance company, and license and permit acquirement for transportation to Mexico or Central America. -
Life Insurance
Life insurance protects you in the event of financial difficulties where the beneficiary may receive a sum of money in case the policy holder encounters death. This is a proper way to provide peace of mind and security to both the policy holder and his/her loved ones. -
Education and Retirement Insurance
Education insurance allows the contractor to guarantee permanent academic studies for his/her children. On the other hand, retirement insurance relies on the policy holder’s savings and awards the benefit at an elderly age for a full and comfortable well-being.
Meet our insurance in Mexico
- Civil Liability in Mexico - Autos and Trucks
- Auto Touristic Policies
- Touristic Commercial Policies (Tractors)
- Transfer Policies, 20 Km (12 miles)
- Full coverage – Auto and Commercial
- Freight Insurance- Travel to Mexico
- Major Medical Expenses Insurance
- Residential Home Insurance
- Repatriation Insurance
- Life Insurance
- Education and Retirement Insurance
