Learn about Automobile Insurance in Mexico

If you are traveling to Mexico by car, you should know that your U.S. car insurance policy will not come along. You will need to buy a separate tourist automobile insurance policy for Mexico. You can easily obtain it online, through a trusted authorized Mexican auto insurance provider, such as Oscar Padilla Mexican Insurance.

If you know the basics but still have a few doubts that need clarification, read on. Here are some common questions regarding Mexican automobile insurance.

Is a liability-only policy enough to keep me protected?

Mexican law requires that all motorists have proof of financial responsibility in case of an accident. If you are from San Diego, you need to have the proper insurance evidence to show authorities, given that U.S. or Canadian automobile insurance is not recognized in Mexico.

You will at least need a liability-only Mexican automobile insurance policy. If you are found legally responsible, it will cover the damages you caused to other parties up to the limit on the policy. However, you and your vehicle, as well as your other passengers, do not get that coverage. This is why a liability-only automobile policy will not get you the optimal protection.

The liability amount depends on the Mexican state and can go as high $300.000 or even more. You should take this into consideration when purchasing your automobile insurance for Mexico. For peace of mind, it’s best that you get the maximum coverage.

What does Mexican automobile insurance cover?

Mexican automobile insurance is a Named Peril policy. Only what is stated in the policy as covered can be covered in case of an accident. Depending on the policy you choose, you may also have coverage for medical expenses, damage to your car or total theft, etc.

Five basic risks to standard Mexican tourist auto insurance include:

  • Collision, Upset, and Glass Breakage
  • Fire and Total Theft
  • Property Damage Liability
  • Bodily Injury Liability
  • Medical Expenses

Oscar Padilla Mexican Insurance policy include Legal Service and Bail Bond as an added bonus.

Can I get automobile insurance for a car rented in Mexico?

You should know that vehicles rented in Mexico are not eligible for the Mexican insurance sold in U.S. In this case, you will need to get your automobile insurance in Mexico, which can easily double the rental price. Also, make sure that you read the fine print to check what exactly the policy covers.

On the other hand, you can get coverage for a vehicle that is rented in the U.S. and buy your Mexican automobile insurance before you set off.

Can I get automobile insurance for Mexico for a leased car?

If your car is leased or financed, you need to contact your leasing company or lien holder to see if your contract terms permit you to drive your car across the border. Therefore, you can obtain your automobile insurance for Mexico if you get the permission first. Otherwise, you will not be allowed to enter Mexico.

Can I change the dates on my policy?

If you contacted Oscar Padilla Mexican Insurance, completed your policy transaction and now need additional time of coverage, you can make the necessary adjustments before the first policy takes effect. The minimum term of coverage is 24 hours.

You can also acquire another car insurance policy for the additional day or days. Just make sure that your policy starts at the exact time your first policy ends.

The third option would be to cancel the first policy and purchase another one with the period of coverage you need. In this case, you need to call 800-466-7227 to authorize the cancellation. Your first policy will be refunded.

Can a Mexican resident drive my U.S. plated car?

You don’t have to name all the drivers on your policy. Name the registered owner or the primary driver if the owner won’t be accompanying the car to Mexico. Your vehicle will be covered as specified on your automobile insurance policy as long as the driver has a valid driver’s license.

However, it is prohibited for any Mexican resident to drive a vehicle with Canadian or U.S. plates by the Mexican law. Should this happen and you get involved in an accident or pulled over by the police, your car can be impounded. Your Mexican automobile insurance will not cover the costs of recovering your vehicle.

How do I make a claim?

The process of making a claim is much the same as the one you use with your U.S. auto insurance provider. In case of a loss, you need to report it immediately so that the claims adjuster can start the investigation. Also, if your policy covers it and you need auto repair, contact your claim handlers so they can set up an appointment with a repair shop.

Keep in mind that in case of an accident in Mexico, your claim has to be filed before you return to the U.S. You should immediately call the number included in the instructions page, which is a part of the policy, and follow further instructions.

Get your automobile insurance Mexico from a reliable provider

Oscar Padilla Mexican Insurance is the oldest and largest exclusive Mexican insurance provider. It represents Qualitas Compania de Seguros, Mexico’s leading Tourist Auto Insurance carrier.

If you are looking for a reliable service, Oscar Padilla can get you the coverage you need. Get a free quote on our website, buying your automobile insurance for Mexico and print your policy in no time, before you hit the road.

For any questions you may have that are not answered here, don’t hesitate to contact us at (800) 466-7227.