Realprosmx

25/05/2023

INSURANCE FOR " LEGALIZED CARS"

I am a Licensed MX Insurance Broker, but I was underwriter for more than 10 years with the largest insurance companies in Mexico.

Actually there is a used cars value guide called Guía EBC, also known as "Libro Azul". Because of the blue color of it's monthly booklet. It is used by Insurance Companies among other things to appraise the commercial value of a vehicle at a given time of a loss. For writing policies they use a catalog of values distributed among the members of Insurance Companies Association. The values are similar, but not the same. Guía EBC is used by professional car dealers specially to asses the trade-in values and as a guide for their sale price, although they would follow the supply & demand signals to get "better" sale prices.

"Legalized" cars become items of some sort of grey market. This year more than 1.5 million "chocolate cars" have been legalized. Those cars are very often purchased at auctions and wholesale events, so the insurance companies are very cautious and use different underwriting criteria. First, they are not appraised for writing or paying loses using "Guía EBC" They are appraised using guides such as N.A.D.A, Kelley Blue Book, Trader Joe, and/or wholesale and auction prices in the USA. For that reason, when buying insurance you better do it with a carriers who shows an "agreed value" in the policy face, and compare such value with what you think your car is worth in the USA. The closer the agreed value, the better policy you get.But you also need to be aware of what your policy conditions say about total loss appraisals and procedures in case of partial losses. It is very challenging, and unfortunately most Insurance brokers don't pay much attention to those details. Many don't really understand how it works

Being "legalized cars" part of the grey market pool, if you later try to sell your car in México, you would be paid a lower value compared to a regular MX car. Cars lose 20% to 30% value by being legalized.

For that reason most of the times it is not a good Idea to "import" a used car to México. Don't do it unless you REALLY love your car and want to use it in Mexico for several years, without the expectation of making any profit if you sell it down the road.

This topic is very important nowadays because there are many Americans who have their car "Legalized" without considering the above described implications. Finding a good car imported by a gr**go is a good deal, because you usually bring it because you know is well kept and in good shape, but once getting into the "Legalized cars" grey market, it is really hard to differenciate.

12/02/2023

https://m.facebook.com/story.php?story_fbid=561867995987563&id=100064931012501&mibextid=Nif5oz

Liberar las vías tras un choque laminero ahora es más fácil gracias a la nueva de Ley de Movilidad.

Así están cambiando las cosas, lee esta información para conocer los datos oficiales de atención a estos incidentes:

12/02/2023

https://m.facebook.com/story.php?story_fbid=546589260829008&id=100064338173890&mibextid=Nif5oz

| Al registrar ante el seguro social a las personas que trabajan en tu hogar, las proteges a ellas y a ti en caso de una eventualidad de salud. Dale , puedes revisar aquí todo lo necesario para su afiliación: https://gobjal.mx/ValorAMiTrabajo

12/02/2023

https://www.jalisco.gob.mx/es/gobierno/comunicados/tramite-de-licencias-de-conducir

Es importante que si eres motociclista, automovilista, o conductor de unidad de transporte público y privado, de carga, taxi y plataformas, maquinaria o de seguridad y protección civil; cuentes con la licencia de conducir vigente. Puedes agendar tu cita para agilizar tu trámite aquí. (únicament...

30/01/2023

MX Social Health care.

IMSS Bienestar

With the pandemic in the lowest numbers, The Federal Government is taking back on the plan to make Medical services available to everyone. During the last 4 years hundreds of hospitals and clinics were open throughout the country. Equipped and provided with medical staff. This last part is not easy, because the Public Health system does not have enough specialists in most of the country. That, among other reasons, were the reason why the Federal Government decided to Optimize the existing hospitals and clinics, specially in Rural areas, and managed by a branch of IMSS The social health insurance provided to the formally employed and their families. Still Less than 50% of working class people have all the benefits of the formal employment. It is still very common the practice of employing people without enrolling the in the Social Security sistems and still, high percentage of MX population, working as "self employed" The IMSS branch, called IMMS bienestar, is a Federal Government program implemented by the Federal Government to give access to the almost 50% of population, with no medical coverage. It is comprised of hundreds
Of clinics un rural areas intended for basic Dr visits. Small regional hospitals intended for small surgeries, gynecology, preventive care, etc. The Federal Government, in coordination with some State Governments, have been reviewing all medium and large hospitals, in order to provide with everything needed to absorb more medical care. demand. They are renovating many facilities, building more, providing with more equipment and the staff needed. There are campaigns for hiring all levels of medical personnel and equipment. It is not an easy task at all, mainly because there are not enough existing specialists. Because of all the effort involved, the protect stated with a few States: Nayarit, where they have accomplished more than 95% of coverage, and Colima, Tlaxcala, Veracruz, Guerrero, Sinaloa, Sonora, Baja California Sur, and just now, have joined Michoacán and Morelos. It is a great effort and requires the full cooperation of local governments. Guess what?? Jalisco has said that will not join that program, because don't want the Federal Government involved in the management of what they call the "State health care system" so at least for 2023 and maybe 2024, Jalisco will keep relaying in the current infrastructure, which Hospital Civil as the anchor with some small Regional hospitals intended mainly for maternity and preventive medicine.

30/01/2023

Part 4 Published in a Facebook group on July 2020.
."What is that you need about INSABI? It is important for everybody to know, that It is the National Institute of Health for the wellbeing. It is intended to provide medical services to the poor and almost 50% of population who do not have access to private health care. Locally, the small clinics are intended to offer primary care. When a major condition is diagnosed, lakeside patients are referred to Hospitales Civiles de Guadalajara. The largest public hospitals complex, which includes the Cancer Institute, The Maternity, and the General. Although all of the before mentioned is supported by the National Secretary of Health, and INSABI, Because the State of Jalisco refused to be part of the National Program for management and medical supplies purchases, Jalisco Government is responsible for Its Management. Regardless, due to the pandemic, the Federal Federal Government has reinforced the system and allocated an Important amount of.resources to all States, has hired almost 50,000 medical personnel, equipped hundreds of hospitals nationwide, and delivered equipment and supplies specially intended for Covid. Nevertheless, there is still the need for at least duplicate the resources.

Seguro Popular was a Falacy. The ultimate goal has always been to give access to Health Services to the uncovered, and now that SP has been removed, what was removed is the "Insurance" Scheme. Now you don't need to Enroll. There is no underwriting o requirements other than bring your printed CURP And make all lines.required, because the system is overwhelmed, trying to serve around 5 million people in Jalisco with those 3 Hospitals. (Cancer OBYG, and General) in Guadalajara.

The pandemic has put a lot of pressure on the system, and.Hospital Civil has been the recipient of almost 1 third of all Covid patients. So right now is even harder to get attention, but the system is working. And by the way, there is no "Shortage of Cancer Medicine for the Children" What was happenning was a boicot of the 3 farmaceutical distributor who held the monopoly of drug distribution and Hospitals Management in the past. Of course, because of the boicot, there was shortage of all medical supplies for about 1 year, and the "Children with cancer" were being used by the conservative media against.the Government efforts. But that had vanished at the beginning of this year, first to campaign "Feminism" and currently the Pandemic. But precisely because of the pandemic, the reinforcement of the Public Health system has made it the strongest in many years. That is why you have not seen in Mexico the crasyness that has been seen in other countries. We have to understand that we have a State Leader who has the delusion that can be the next President, who thinks that he knows better, and everyday claims that cares and is doing.more.

30/01/2023

Part 3 . Posted in other Facebook group in Jan 20, 2020:

"Buenos dias. An American Living in Mexico with the idea that the social system would step up to save your life, is like a Mexican living in the US, hoping to use Medicaid if something serious happens, and given the time, somebody would help you through it. It may work. it may not. Many think that the tax contributions of mexicans in the US, entitle us to use Medicaid and other social services. Some think that is not right, but in any case, aside from politics and personal opinions, the strategy is fragile. When I lived in the US, I helped people to use Social Services, because they were available, and because a lot of mexicans and other foreigners in the US, did not really know how to use them. On top of the language situation, there are procedures that have to be followed. Some call them burocracy. I call "Plan E" this healthcare strategy of depending on Social Services. Only to be used if there is no other option. Regardless, "Plan E" healthcare strategy should include several things. 1) Be aware that eventhough there are social services available, for regular doctors visits, try to use private doctors and buy your prescription medications, so you do not have to go through all the procesess involved to see an INSABI specialist, or to be scheduled for needed studies. That is what many mexicans do. If you are told that you need a surgery, be aware that in our case (Chapala area), most of the complex surgical procedures or treatements have to be performed at Hospital Civil, which is not a government hospital.It is probably the mosth authentic and largest Charity in Guadalajara, and is intended to be used for life threatening situations as a priority. There are other procedures that can be performed, depending on availability, for all of those reasons, but they may schedule you too far in the future. That is why is better to go to a private specialist and get the necessary studies before going to Hospital Civil (Consider that your deductible). For all of that, "Plan E", is the one strategy that requires more of your involvement and resourcefulness. You need to learn how to distinguish a good doctor from a friendly one, you need to learn where can you get the best quality and costs for Labtests, imaging, outpatient services, etc. You need to know the rules, schedules and situations in which you can use Hosptial Civil. Be aware that they don't speak English, so you need to learn Spanish or have somebody going with you to the hospital. You need to know what can you do if you have an emergency. How are you going to be transported and who will be on call if you need it. On the contributions, yes, you can donate to Hospital Civil. If we can have 5,000 people contribute with $1,000 USD a year per person (less than half the average cost of private health insurance actually been paid nowadays), that would be 5 million USD, 10% of the Hospital Civil tight annual Budget."

30/01/2023

2nd part. Posted Oct 3, 2018:Healthcare strategy

"I think is good for the community to have information about what is going on in the country, but don't get scared away by political issues, which will always be anywhere you go.

My point is more about common sense. When planning for living abroad, is always important to secure a health care strategy. My opinion is that to have care of good quality, available for when you need it, it is a good idea to have a cash reserve. And if possible, reinforce your plan investing in a private insurance policy. Not doing so, would expose you to the limited resources and availability of the social programs."

30/01/2023

I posted this in a Facebook group, back on Oct 3, 2018, Responding to some questions regarding Seguro Popular and the new newly elected President plans for changing the system:

"Years ago, there were public care facilities like the ones used by Seguro Popular now, where anybody could just walk in and receive medical attention.

They used to have a pharmacy and would give the prescribed medicine. All at no cost, because health is a constitutional right.

The problem then, and now, is that the public system does not have the budget and the specialized facilities for major surgeries and treatments needed to absorb all the demand.

The later governments created and publicited Seguro Popular as the solution, and developed the enrollment and operating system, which became costly, bureocratic and fertile grounds for corruption. Currently there are more than 50 hospitals and clinics projects throughout the country that were "inaugurated" by local authorities, governors and even the president, that were never actually put to work.

What the president elect has said is that there shouldn't be a need for the "Insurance" scheme. The goal is for everybody to be able to receive medical attention if needed. Facilities should be open to anybody to just walk in.

That is the nice part...

But what a president elect can do with a national budget mostly allocated to pay a debt that increased 10 times just during the last 6 years?

As you all know well, is not enough with good intentions or ideas. There is a lot to do and it will take long time to achieve the idealist universal health care system.

Quality Private health care is available for about 15% of the population who can afford it. It is still about 30% of what would cost in the US or Canada.

If you can afford it, make private health care a priority, and if possible, use the financial tool of a private health Insurance Policy. It may look expensive, compared to "Seguro" popular, but is the way to go, for people in Mexico, with income of 30,000 USD a year, or more.

If you cannot afford, or not are eligible for private insurance, please don't panic. Wait for what the new government can come up with, where, most likely, you will be included"

11/01/2021

Martes inicia la vacuna para adultos mayores.

El presidente Andrés Manuel López Obrador (AMLO) informó que se adelanta al próximo 12 de enero de 2021 la vacunación masiva contra el COVID-19 en adultos mayores.

05/11/2020

Bonito departamento en Condominio Residencial Privado, Vigilancia las 24 horas, caseta de acceso controlado, casa club con alberca, chapote...Chantepec

05/11/2020

Casas y departamentos en venta. Excelentes oportunidades

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