1/5 William B. 2 years ago on Google
I
bought
a
BajaBound
policy
through
Chubb
for
my
drive
to
southern
Baja.
While
the
policy
was
easy
to
secure,
submitting
an
actual
claim
was
a
horrible
experience.
I
unfortunately
hit
a
deer
on
February
16,
2021.
The
damage
consisted
of
a
dented
hood
and
side
panel,
caved
in
radiator,
and
broken
transmission
fluid
cooler.
I
submitted
a
claim
the
next
day,
and
by
the
afternoon
a
tow
truck
took
my
vehicle
to
the
mechanic.
At
this
point,
I
was
really
pleased
with
the
service.
Little
did
I
know
that
I
wouldn’t
see
my
van
for
three
months.
After
the
first
month,
the
mechanic’s
story
was
that
Chubb
wouldn’t
authorize
him
to
buy
the
~10
parts
to
fix
the
van.
Contacting
Chubb
was
impossible
because
it
was
a
voicemail
chain
all
in
Spanish,
and
even
then
no
one
would
answer
the
phone.
BajaBound
did
help
contact
Chubb.
The
first
Chubb
representative
told
me
that
there
was
confusion
over
which
vehicle
to
authorize
at
the
mechanic
and
that
now
the
repairs
were
underway.
The
next
representative
sent
me
an
email
saying
that
this
is
not
how
Chubb
does
business
and
stating
that
Chubb
would
reimburse
me
for
$1000
in
car
rental
and
$500
in
hotel
fees
(see
email
excerpt
below).
This
seemed
nice,
although
it
was
a
complete
lie.
After
the
second
month,
the
contact
dropped
off.
I
started
going
directly
to
the
mechanic
and
his
main
excuse
was
that
the
supply
chain
was
so
messed
up
that
he
couldn’t
get
the
parts.
Finally,
my
wife
and
kids
flew
back
to
the
States,
and
I
stayed
behind
to
get
the
van
because
the
mechanic
promised
it
would
be
done
in
two
weeks.
Well,
two
weeks
went
by
and
neither
Chubb
nor
BajaBound
would
help.
The
mechanic
still
didn’t
have
the
parts
and
the
van
was
undrivable.
I
finally
flew
back
to
the
states
and
purchased
another
car
to
use
for
my
family.
I
had
friends
that
agreed
to
pick
up
the
van
when
it
was
done
and
drive
it
back
to
the
States.
After
three
months,
my
friends’
deadline
was
up
to
leave
Baja.
They
stopped
by
the
mechanic
to
discover
that
the
van
was
no
longer
at
the
shop.
Surprise,
surprise
the
mechanic
had
the
vehicle
at
his
house,
which
most
likely
means
he
was
using
it
as
his
private
vehicle.
He
said
that
the
parts
had
just
come
in
and
the
repair
would
take
a
couple
more
days.
We
gave
him
two
hours
to
replace
the
parts,
which
he
reluctantly
did
after
calling
the
cops
on
us.
After
telling
the
cops
the
whole
story,
they
sided
with
the
gringos.
We
got
the
van
and
took
it
to
another
mechanic
to
make
sure
that
it
was
repaired
correctly.
Although
the
repair
lasted
for
the
trip
back
to
the
States,
it
broke
shortly
thereafter.
I’ve
contacted
BajaBound
and
Chubb
seeking
reimbursement
for
the
expenses
I
incurred,
and
was
encouraged
to
incur,
and
neither
have
responded.
After
reading
reviews
of
BajaBound
and
Chubb,
it
is
apparent
that
they
are
happy
to
take
your
money.
Look
for
yourself,
most
of
the
reviews
rave
about
how
easy
the
website
is
to
navigate
and
you
can
get
a
policy
within
minutes.
That
is
great
if
all
you
want
is
a
policy,
but
I
hope
you
never
have
to
actually
submit
a
claim
under
the
policy
because
it
was
a
nightmare.
I
actually
incurred
more
expenses
after
relying
on
them
to
help
than
I
would
have
by
organizing
the
repair
myself.
My
goal
isn’t
just
to
rant
about
a
poor
experience,
I
would
actually
like
to
see
these
companies
suffer
somehow.
They
didn’t
care
about
me
when
I
was
a
customer,
and
I
doubt
they
will
care
about
me
if
I
file
one
lawsuit.
It
seems
that
they
have
a
common
practice
of
taking
people’s
money
and
then
letting
them
suffer
after
an
accident
happens.
I’m
guessing
a
class
action
complaint
would
get
some
attention,
so
I
am
searching
for
other
people
that
have
been
screwed
over
by
these
lying
scammers.
Thanks
for
reading,
please
contact
me
if
you
have
had
a
similar
experience
or
advice.
Will