When traveling to Mexico by land it is important to know that you MUST carry Mexico insurance for your vehicle, it is the law. The auto insurance policy that you already carry on your vehicle in the USA and Canada does not cover you in Mexico. One can have the most comprehensive coverage on their vehicle in the USA and Canada however it is not accepted as proper insurance coverage in Mexico. The Mexican authorities do not recognize your existing policies and they are not valid in Mexico. In order to be covered and in compliance, you must get a separate Mexican auto insurance policy that covers your vehicle. This applies to cars, RVs, Trucks, Vans, SUVs, and Motorcycles.
Why do you need to purchase insurance for your vehicle while you are in Mexico?
There are many reasons why you should purchase Mexican Auto insurance when traveling to Mexico. The most important reason to obtain Mexico insurance for your vehicle is because it is the law. Without Mexican insurance for your vehicle, you and your vehicle are not covered in the event of an accident. If there is theft or vandalism to your vehicle, that will not be covered either. If something were to happen to your vehicle in Mexico and you have not acquired the proper Mexican auto insurance policy and coverage, you are at a loss. Remember, your current policy from the USA or Canada is not valid within Mexico. In Mexico, it is a crime to NOT carry at least liability insurance on a vehicle. Without Mexican Auto insurance, the authorities could not only hold you responsible, they may hold you criminally responsible for an accident. If you have proper Mexican auto insurance, you may avoid being found criminally at fault for an accident if you happen to be in one.
What type of coverage is required for your vehicle while you are in Mexico?
The minimum Mexican Auto insurance coverage required is liability insurance. However, many people traveling to Mexico go above and beyond the minimum standard liability requirement. Options for additional Mexican auto insurance coverage above and beyond liability include, collision coverage, property damage to your vehicle that could arise from one of the following occurrences, fire, turnover, collision, lightning and explosion. Theft and vandalism coverage is also available for your vehicle as well, and is an additional option when purchasing your Mexico insurance policy. Comprehensive coverage as it is known in the USA is not included in a Mexican Auto insurance policy, but the collision coverage is an option.
In order to fulfill this very important need for visitors to our website, we have partnered with the industry leader in Mexico insurance to provide you with a reputable Mexico insurance option. By doing so, we offer the best Mexican Auto insurance coverage possible with the most competitive rates in the industry. With over 15 million people visiting Mexico annually and the majority doing so by vehicle, we felt that having the best partner in the industry is essential. We offer Mexico insurance for your automobile, RV, truck, Suv, motorcycle, and even your boat. Not only has the partner we work with for your Mexico insurance needs been around for over a decade, we only offer the best A+ rated insurance carriers which are rated as such by the A.M. best standard in rating insurance carriers. This is important as it tells you that your carriers are the best available.
Purchasing your Mexico insurance is a very simple process and can easily be completed online. The nice thing about getting your insurance for Mexico online is that you do not have to make any additional stops at the border on your way to Mexico. Mexican auto insurance policies can be purchased by the day, in six month terms or in twelve month terms. Also included with your policy is guaranteed roadside assistance, legal assistance, and travel assistance.
In conclusion, here are a few very important things to note while you are driving a vehicle during your stay in Mexico.
Always have your drives license in your possession. Your drivers license is recognized and is valid in Mexico. In the event of a traffic encounter with Mexican authorities you may be asked to present your drivers license.
Make sure that you also carry your Mexican auto insurance policy with you at all times. In the event of an accident or traffic violation, you will be required to present your Mexico insurance policy to the authorities.