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Mexican Insurers Set Case-by-Case Rules for Claims After Nationwide Unrest

AMIS says affected customers must report losses formally, with payment contingent on policy terms including any exclusions.

Overview

  • AMIS has activated a customer-assistance protocol and says some claim adjustments may be conducted remotely for security reasons.
  • Several insurers have temporarily halted auto insurance quotations in high-risk states such as Jalisco, Michoacán, Colima, Guerrero, Aguascalientes, Guanajuato, Nayarit and Zacatecas.
  • How a loss is classified—total theft, robbery with violence or material damage—will determine which coverage applies and whether a claim proceeds.
  • Common exclusions for insurrection, terrorism, civil disturbance or acts of war in many policies can bar payments even for burned vehicles or damaged businesses.
  • Policyholders are urged to promptly report losses, file required complaints and document damage following the violence that erupted after the operation that killed CJNG leader “El Mencho.”