If you plan to visit Mexico, either for a short trip or an extended stay, and you will be operating a vehicle in this country; then you may want to consider investing in Mexican car insurance. There are different legal systems in Mexico, compared to the United States; and any significant difference in the insurance coverage offered to drivers. When purchasing a plan for an upcoming trip to Mexico, it’s 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 car insurance in Mexico compared to the United States is the difference in liability issues between the two countries. In accordance with civil law in Mexico; there is no liability for any kind of emotional distress, pain or suffering for those who are 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 in an accident.
Buy Separate Legal Aid Coverage – When you are inside Mexico, there is no liability coverage to pay for your legal defense, in case you have an accident and need to go to court. There is usually an option to add legal aid coverage to your policy.
Be aware of Mexican accident laws: when deciding whether or not to obtain Mexican auto insurance; remember, if you are in an accident, country law requires that your vehicle be kept within country borders until all damages are paid. With this in mind, make sure your policy covers the cost of the bond or add additional coverage first.
Buy a short term policy online: Don’t wait to buy auto insurance until you arrive in Mexico, you can buy short term travel policies online before your trip. While you buy your policy online; be sure to also purchase a car permit.
Gather the proper paperwork first: When you enter the country, you’ll legally need to have Mexican car insurance and a Mexico car permit, especially once you’re out of 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, identification, 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 wish to obtain 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. In general, with auto insurance in Mexico, there are two different types of deductibles. First there 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 which is typically 5% of the vehicle’s value with a minimum of $1,000. With the differences in typically deductibles; it is important that drivers are well informed of what their deductibles will cover.
Seek Medical Evacuation and Plane Tickets Home: If you are worried about a potential accident affecting 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 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 have their vehicle repaired in their home country, either the US or Canada. Otherwise, those who have accidents may have to have their repairs done in Mexico. Not all insurance companies offer this service, but some that specialize in travel insurance will have this option.
Car policies differ from country to country; but as a responsible driver, it’s always smart to know your coverage options. If you are in an accident, you can feel safe knowing that your auto insurance in Mexico 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.