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Mexican Insurance Since 1951! 



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Why Do I Need Mexican Insurance?

The traffic laws in Mexico are similar to the laws in the United States to some degree. However, it is how these laws are applied that differentiate each country and why Mexican auto insurance is necessary for any US citizens travelling to Mexico. While the United States law is based on the English Common Law, meaning that you are innocent until proven guilty, in Mexico the opposite is true. Mexican law is based on the Napoleonic code which implies guilt over the presumption of innocence.

There have been several changes to the vehicle insurance requirements in Mexico. First and foremost, you need to have Mexican car insurance when visiting the country. Fortunately, you can easily buy Mexican insurance online from Oscar Padilla’s Mexican Insurance right here.

The Difference Between US and Mexican Insurance

The difference between United States and Mexico is that according to the financial responsibility law in Mexico, anyone who was involved in a traffic accident in Mexico must be financially able to cover the damage or injuries which resulted from the accident. As we previously mentioned, since you are guilty until proven innocent in Mexico, you need to be able to cover these expenses if you are involved in a car accident in Mexico, whether through cash, credit card or a Mexican auto insurance policy.

If you are involved in an accident on Mexican soil, you will not be able to use your US or Canadian insurance policy to cover for the damage. If you don’t have a Mexican insurance policy, your car may be impounded or worse, you may face arrest until the details of the accident are settled. If you don’t have enough money on you to cover the accident, this might take some time.

Furthermore, you may not be able to explain your case in English, depending on the area of Mexico you visit. English is not spoken in some areas of the country, making resolving the issue all the more difficult.

Going through an accident is a disruption enough, one that can completely ruin your holiday to Mexico. But not having Mexican auto insurance as a backing, this can get all the more complicated. That’s one compelling reason to find the best Mexican car insurance company near you and purchase one, as purchasing Mexican auto insurance at the border may not always be possible (and will certainly cost more).

Do U.S. or Canadian Insurance Policies Offer Coverage In Mexico?

A short answer would be that your US or Canadian auto insurance policy will not be accepted by the Mexican authorities as a means to cover the damage.

To elaborate: No insurance company based in US or Canada and operating in these two countries can provide legal help or liability in case you experience a car accident in Mexico. This is why any US or Canadian tourist traveling needs to buy Mexican auto insurance before traveling across the border. The bare minimum you need to have is a liability coverage policy accepted by the state of Mexico.

Do US Insurance Companies Offer Mexican Insurance?

There have been car insurance companies in the United States that offered limited coverage that allegedly provides the required support in Mexico. However, the fine print states that you are only insured if your trip is no longer than 10 days. Furthermore, the accident you have has to have occurred no more than 75 miles away from the US border.

This type of policy further confused tourists who believed they were going to Mexico secure. Instead, they found themselves in an unpleasant situation when they realized their policies did not cover them for more than 10 days or further than 75 miles from the border.

This is why the number of insurance companies offering this type of coverage has decreased, and the only way to get actual coverage in Mexico is to purchase a Mexico car insurance from a reputable company like Oscar Padilla’s Mexican Insurance.

How Much Does Mexican insurance cost?

Oscar Padilla’s Mexican Insurance has partnered with Mexico's leading Tourist Auto Insurance carrier, Qualitas Compania de Seguros to offer Quick Quotes online which you can find on our website. This is the easiest and best way to calculate your Mexican insurance rate.

What Period Does The Mexican Insurance Cover?

If you are purchasing a Mexican auto insurance policy for longer than 25 days, consider upgrading to a 6 month or annual policy, as it is a better choice financially. Qualitas rates are structured in a way that for any policy longer than 25 days it makes more financial sense to purchase a 6 month or annual Mexican insurance policy instead.

You can use the Quick Quote tool on our website to get the information regarding daily quotes as well as 6 month and annual quotes, so you can easily compare them and determine which works better for you.

What Is The Cost Of Mexican Auto Insurance?

One of the most common questions we get is “how much does Mexican insurance cost”. The answer varies because different factors affect the price of your Mexican auto insurance policy. The price of the Mexican car insurance is calculated based off the choice of coverage and type of vehicle you are operating.

Another factor you need to take into account is how long will you be staying in Mexico, as the duration of your visit also affects the price of the policy. So if you are a frequent visitor or are travelling to Mexico for work, you should consider getting a six month or annual Mexican insurance policy.

What does Mexican auto insurance cover?

Unlike the standard US car insurance policy, a Mexican car insurance policy only covers items that the policy specifically states that it covers. This is known as the Named peril policy and is different to the standard policies in US and Canada.

There are five basic risks that a Mexican car insurance policy covers:

  1. Collison Damage, Upset and Broken Glass
  2. Fire and Car Theft
  3. Property Damage Liability Coverage
  4. Bodily Injury Liability Coverage
  5. Medical Expenses for Injuries Resulting from The Accident

All the Mexican Insurance policies we offer also include legal services and bail bonds as an added bonus.

What If My Mexican Auto Insurance Policy Doesn’t Cover My Entire Trip?

If you realize that the policy you’ve purchased online does not cover your entire trip and the total number of days you are going to spend in Mexico, there are several steps you can take.

If the policy you purchased does not cover your trip you may:

  1. Purchase another policy for the additional number of days
  2. Purchase A Policy Covering Your Entire Trip

Purchase another policy for the additional number of days

If you realize you’ve made a mistake and your policy does not cover your entire stay, you can purchase a separate policy covering the days you did not include in the previous one. It should start on the same day and time your previous policy expires, so there’s not a period of time you won’t be covered.

Purchase A Policy Covering Your Entire Trip

Alternatively, you can purchase a brand new policy that covers the entire duration of your trip. If you do, contact our friendly agents at 800-466-7227 so they can cancel and refund the previous policy.

Any changes to the policy you need have to be made before the first policy comes into effect. The minimum term of a policy is 24 hours, as we do not offer hourly policies.

Do I Need To Mention All The Possible Drivers On The Policy?

You are not required to; however, it is advised. You need to mention the registered owner of the vehicle at least. If the registered owner will not be on the trip to Mexico you will need to add the name of the primary driver in charge of their vehicle on the trip to Mexico. This can also be someone who will be near the vehicle at all times.

On our Mexican insurance policy, you can mention two drivers, but you do not have to mention all the possible drivers that will be on the trip to Mexico.

Will I Go To Jail For A Car Accident In Mexico?

If the car accident you were a part of resulted in a serious injury, a Mexican auto insurance policy might help you cut through the process and help you resolve the issue much sooner. However, you should not view your Mexican insurance policy as a “Get Out of Jail” card.

There is a lot of confusion about the reason why drivers face temporary incarceration after a traffic accident in Mexico that resulted in one or more parties being injured. The Mexican Authorities need to determine who was the person responsible for an accident that may have injured or killed one or more participants in the incident. This is why the participants of the accident need to be temporarily incarcerated until the guilt is determined.

Anyone held responsible for a traffic accident or any crime in Mexico has to be detained in order to prevent them from escaping while the investigation is ongoing. This is why any participants in the accident are put in jail and find themselves detained until the investigation is complete and their guilt or innocence is proven. Any tourist involved in an accident may attempt crossing the border, which is why jail is necessary. This is how Mexican law works and foreign citizens are not exempt from it.