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Tips for Buying Mexican Car Insurance Before Your Next Trip

If you plan to visit Mexico, either for a short trip or a long stay, and you will operate a vehicle in this country; then you may want to consider investing in Mexican auto insurance. There are different legal systems in Mexico, compared to the United States; and some significant difference in the insurance coverage offered to drivers. When purchasing a plan for an upcoming trip to Mexico, it is generally best to purchase a short-term policy online before entering the country; to avoid possible problems.

Research Liability Differences: One of the main differences with auto insurance in Mexico compared to the United States is the difference in liability issues between the two countries. According to the civil law in Mexico; There is no liability for any type of emotional distress, pain, or suffering for those in a car 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 case you are ever involved in an accident.

Buy Legal Aid Coverage Separately – When you are within Mexico, there is no liability coverage to pay for your legal defense, in the event you have an accident and need to go to court. There is usually the option of adding legal aid coverage to your policy.

Consider Mexican accident laws: when deciding whether or not to purchase Mexican auto insurance; Remember, if you have an accident, the law of the country requires that your vehicle be kept within the borders of the country until all damages are paid. With this in mind, make sure your policy covers the cost of the lease 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 purchasing your policy online; be sure to buy a car permit as well.

First, gather the proper documentation: When you enter the country, you will legally need to have a Mexican car insurance and a car permit for Mexico, especially once outside the ‘border sector’ of the country. When driving in the country, the insurance claim, title holder, and driver must be owned by the same person. To get a temporary car permit, you will need your driver’s license, registration, ID, major 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 they have crossed the border. Your car rental company may be able to offer you high-quality coverage. However, if you want liability coverage, you will need to obtain it separately from a licensed provider.

Know the difference in deductibles: deductibles in the United States are different than deductibles in Mexico. Typically, with car insurance in Mexico, there are two different types of deductibles. First is the deductible for physical damage, which is usually around 2% of the value of the vehicle; with a minimum of $ 500. There is also a deductible for theft that is generally 5% of the value of the vehicle with a minimum of $ 1,000. With the differences in typical deductibles; It is important that drivers are well informed of what their deductibles will cover.

Look for medical evacuation and plane tickets home: if you are worried about a possible accident affecting your travel; 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 airline tickets to the US or Canada, in case 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 in the US or Canada. Otherwise, the injured may have to do their repairs in Mexico. Not all insurance companies offer this service, but some that specialize in travel insurance will have this option.

Auto policies differ from country to country; But as a responsible driver, it’s always smart to know your coverage options. If you are involved in an accident, you can feel safe knowing 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 Mexico version of 911 (066) in the event of an accident, for assistance.

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