Qualitas Benjamin
Cargado por
aivanxdjQualitas Benjamin
Cargado por
aivanxdjCommon questions
Con tecnología de IAThe Insured might need to check coverage certification when planning to travel abroad, particularly to Canada or the United States, to ensure compliance with local insurance requirements. Requesting a valid identification card as proof of insurance is specifically necessary for traveling to Canada .
During the first 12 months of policy coverage, the deductible is calculated based on the invoice value of the vehicle. After the 12th month, the deductible is based on the commercial value of the vehicle, according to the EBC guide. In both periods, the deductible percentage chosen by the insured, as specified in the policy, is applied to determine the deductible amount .
Benjamin Hernandez Mendoza's motorcycle policy includes coverage for material damage and total theft, both insured for $17,700 with respective deductibles of 5% and 10%, liability for third-party damage at $100,000, additional personal liability coverage at $500,000, occupant medical expenses at $40,000, and legal expenses. Roadside assistance is also included .
The policy ensures compliance with legal insurance requirements by guaranteeing coverage that meets the minimum limits required by law for each state in the United States and Canada. The policy is structured to cover these international legal differences by allowing card issuance upon request for verification when traveling .
The GAP coverage in the insurance policy applies under the condition that the down payment corresponds to an amount less than 26% of the vehicle's invoice value. This ensures that the company will pay the insured or preferred beneficiary the highest value between the contracted collision damage coverage or total theft coverage, based on the remaining financial credit or lease balance at the time of the claim .
The insurance policy, under the number CNSF-S0046-0191-2017/CONDUSEF-002429-01, was registered with the Comisión Nacional de Seguros y Fianzas on June 6, 2017. It is also registered in the Registro de Contratos de Adhesión de Seguros of the CONDUSEF with the number CONDUSEF-002429-01 .
Besides the premium value, the policy considers financing charges, issuance expenses, and applicable taxes such as VAT. These all contribute to the total amount payable in the insurance agreement as listed under payment terms .
Qualitas Insurance Company provides coverage that adheres to the minimum limits required by law, applicable to each state in the USA and Canada. It covers only vehicles that are registered and reside in Mexico, ensuring compliance with state-specific legal requirements .
To ensure coverage while traveling to Canada, the insured must request an Identification Card needed as proof of insurance in the country. This can be done by calling toll-free numbers 01-800-004-9600 from Mexico or 1-844-765-6379 from the USA .
The primary purpose of registering the insurance policy with national insurance commissions is to ensure compliance with legal and regulatory standards. This registration establishes the authenticity and credibility of the insurance product, provides consumer protection through adherence to established guidelines, and allows tracking and regulation of insurance practices by national authorities like the Comisión Nacional de Seguros y Fianzas .
