Commercial Alliance Insurance Company Review

Commercial Alliance Insurance Company (CAIC) is a Houston-based insurer catering to the needs of the cross-border market between Mexico and the United States. This includes both personal and commercial insurance for vehicles traveling from Mexico to the U.S.

About CAIC

Owned by Mexican company Seguros, CAIC operates in the United States as a part of IAT Insurance Group, with headquarters in Houston, Texas. They also have nine offices located in Mexico.

CAIC Seguros USA has a website that is only available in Spanish, with the only information offered to the English-speaking market found on the IAT Insurance Group website, which focuses solely on commercial insurance. The company writes insurance policies for vehicles that are registered and insured in Mexico crossing the border into the U.S., where Mexican insurance policies do not apply and are not acceptable to meet legal requirements.

Their policies include personal auto insurance and coverage for the commercial trucking industry.

CAIC Products

CAIC’s insurance is aimed specifically at vehicles that will be driven in the United States but are registered in Mexico and have Mexican license plates.

Personal Insurance

CAIC writes liability policies for both cars and motorcycles that are designed to meet the local laws in the U.S. The program also offers coverage for medical expenses and roadside assistance.

Policies are offered both for short visits to the United States as well also for vehicles that will be kept there for longer periods of time but will still have Mexican plates. The short-term policies are similar to those offered to residents of the U.S. during visits to Mexico by car. These policies include coverage for physical damage to the vehicle while driven in the U.S.

Commercial Insurance

CAIC writes full coverage policies for commercial vehicles including trucks that cross the border regularly for business purposes.

Coverage under these policies includes:

• Third Party Liability
• Medical Payments
• Cargo Coverage
• Trailer Interchange Coverage
• General Liability

Rates

Online quotes are not available for this company, and there is no rate information is listed. Rates can be expected to vary based on the length of time for which the coverage is needed and the type of coverage required.

Since this insurance is intended only for vehicles that are registered in Mexico, the rates cannot be compared to insurance companies offered to the U.S. market.

Claims

CAIC offers an online claim reporting option on the main Spanish page of the website. The link leads to a form where a claim can be submitted.

The IAT Insurance Group website also lists a toll-free number for the office in Houston where claims can be made by phone, as well as a mailing address.

Beyond the contact information, there is no information offered regarding claims processing.

Ratings and Consumer Reviews

CAIC is not accredited by the Better Business Bureau (BBB), nor is it rated at the time of this review. The NR (no rating) score is given as the result of a lack of information required to give the company a grade. There are no complaints or reviews listed on the site.

We found just one review on Google, citing inability to get a response from the company. This gives CAIC a one-star rating, but really does not provide a lot of information.

The one review on Yelp is not helpful, since it’s from a person who isn’t a customer of the company, but merely found them to be friendly when stopping in to ask a question.

We were unable to find a whole lot to go on in terms of this company’s reputation – this is likely because most of its customers are Mexican residents who may not use the same review systems as those we use for our research.

The Bottom Line

While we do not really have enough information to provide a clear look at this company, they do offer a niche type of insurance that is not offered everywhere. That makes them worth a look if you need coverage for a Mexican vehicle in the U.S., whether personal or commercial.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Review Information