Tips for Buying Mexican Car Insurance Before Your Next Trip

If you plan to visit Mexico for a short trip or an extended stay and you will drive a vehicle in this country; then you might want to consider investing in Mexican auto insurance. There are different legal systems in place in Mexico, compared to the United States; and a significant difference in the insurance coverage offered to drivers. When buying a plan for an upcoming trip to Mexico, it’s usually best to purchase a short-term policy online before entering the country; to avoid any potential problems.

Research Liability Differences – One of the main differences with auto insurance in Mexico versus the United States is the difference in liability issues between the two countries. According to civil law in Mexico; there is no liability for any type of pain or suffering from emotional distress for those who are in an automobile accident. This means that insurance claims only cover property damage and bodily injury; items that are strictly and easily determined based on their actual cash value. This is important information to know in the event of an accident.

Purchase separate legal aid coverage – When you are inside Mexico, there is no liability coverage to pay for your legal defense, should you have an accident and have to go to court. Generally, there is an option to add legal aid coverage to your policy.

Be aware of Mexico’s accident laws – When deciding whether or not to purchase Mexican auto insurance; Remember that if you are involved in an accident, the law of the country requires that your vehicle be held within national borders until all damages are reimbursed. With that in mind, make sure your policy will cover the cost of the deposit or add additional coverage first.

Buy a short-term policy online – Don’t wait to buy car insurance until you arrive in Mexico, you can buy short-term travel policies online before your trip. While you purchase your policy online; also be sure to purchase a car license.

Gather the Proper Documents First – When entering the country, you will legally need to have both Mexican car insurance and a car license for Mexico, especially once outside the country’s ‘border sector’. When driving in the country, the insurance claim, title holder and driver must all belong to the same person. In order to obtain a temporary car license, you will need your driver’s license, vehicle registration, ID card, main credit card and some type of immigration form.

Consider car insurance through your car rental company – Many travelers will decide to rent a car in Mexico after crossing the border. Your car rental company will likely be able to provide you with high quality coverage. However, if you wish to obtain liability insurance, you will need to obtain it separately from an approved provider.

Learn the difference between franchises – Franchises in the United States are different from franchises in Mexico. Generally, with auto insurance in Mexico, there are two types of deductibles. First there is the bodily injury deductible, which is usually around 2% of the value of the vehicle; with a minimum of $500. There is also a theft deductible which is usually 5% of the value of the vehicle with a minimum of $1,000. With typical franchise differences; it is important that drivers are well informed of what their deductible will cover.

Seek Medical Evacuation and Airline Tickets Home – If you are concerned that a potential accident will affect your trip; consider adding medical evacuation coverage. This will pay for air or ground ambulance services. You can also add coverage to cover the cost of your plane tickets to the United States or Canada, if an accident prevents you from leaving.

Vehicle Repair – As a visitor to the country of Mexico, drivers will want to know if they are allowed to repair their vehicle in their home country, whether that be the United States or Canada. Otherwise, injured persons may have to have their repairs carried out in Mexico. Not all insurance companies offer this service, but some that specialize in travel insurance will have this option.

Automotive policies differ from country to country; but as a responsible driver, it’s always a good idea to know your coverage options. If you end up in an accident, you can be sure that your Mexican car insurance can help keep you covered. Your insurance policy may have a number you can call, or you can call the Mexican version of 911 (066) in the event of an accident, for assistance.

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