Stay Safe With the Best Auto Insurance for Mexico
Every year, thousands of Americans travel to Mexico by car. Many may not be aware that south of the border, their U.S. auto insurance policy becomes invalid. To avoid this unpleasant surprise, buy your specialized car insurance for traveling to Mexico before you pack your bags and sit behind the wheel of your car.
Here’s what you need to know about automobile insurance when traveling south of the border.
Driving in Mexico is worry-free with our car insurance
Mexico doesn’t recognize either American or Canadian vehicle policies. Any non-Mexican insurance policy cannot cover your liability for damage caused to others in case of an accident. If you decide to enter Mexico by car, buying a special type of auto insurance to get you covered is a smart move.
Under Mexican law, a driver has a certain civil and criminal liability to others in case of a fatality. Depending on what the state decides, the liability amount can be as high as $300,000. per fatality or more.
Moreover, all motorists are required to have insurance or proof of financial responsibility in the event of an accident. According to Mexican law, all drivers must at least have liability coverage, underwritten by a valid insurance provider.
No matter whose fault it is, if you get in a car accident, you will need to demonstrate that you have sufficient financial means to cover the damages. If you don’t have valid auto insurance coverage for traveling to Mexico or enough real currency to pay for the damages, the authorities can arrest you and impound your vehicle until the matter is resolved. Without a way to pay, this process may take a while.
A Mexican insurance policy can greatly reduce the financial burden of a car accident and possible jail time.
More than just simple liability coverage
Liability is an obligation to cover the damage you cause to others in an accident. Having liability coverage means that your auto insurance for Mexico travel will take care of the damages to other vehicles and property, as well as costs for bodily injuries you might cause to other parties.
If you get involved in a car accident in Mexico and are found legally responsible, you will be required to reimburse the driver and passengers in the vehicle you hit for medical expenses and other expenses determined by the Mexican court, as well as the value of their car.
If you buy a liability-only insurance policy, your insurance will cover these expenses up to the limit on the policy. It will not, however, pay for any damage done to your own car or for medical expenses you incurred.
It’s recommended that you purchase Mexican travel car insurance that provides full coverage to increase your protection.
One of the best providers Mexican auto insurance has you covered
A valid policy covers you in case of an accident while driving in Mexico. As a Named Peril policy, however, it can provide coverage only for what is included in the policy and described as covered.
Standard Mexican tourist auto insurance recognizes five basic risks:
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Collision, Upset, and Glass Breakage
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Fire and Total Theft
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Property Damage Liability
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Bodily Injury Liability
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Medical Expenses
As an added bonus, Oscar Padilla Mexican Insurance policies also include Legal Services, Bail Bonds, Uninsured Motorist, and Unlimited Labor Repair Rate.
Save money with auto insurance coverage
You might be surprised at how much money you can save by simply having the proper coverage when going on a trip. The last thing on your mind while planning a trip to Mexico is worrying about a possible car accident and the expenses it may produce.
Only with the proper documentation and car insurance coverage in hand will you have optimal insurance protection. You can get your Oscar Padilla Mexican insurance policy online within a few minutes, print the document and then relax and enjoy the ride! In the unfortunate event of an accident, you can rest assured that your Mexican insurance provider will handle subsequent issues.
Frequently Asked Questions
How can I check the validity of my car insurance policy? ←
Most companies will also send a copy of the Mexican travel car insurance policy documents to your home address. Read More
These documents will include all of the details of your coverage, including any exclusions or limitations.
How much money do I need for Mexican car insurance? ←
Auto insurance coverage for Mexico isn’t expensive, but it is required if you plan to drive in Mexico. Read More
The cost of the insurance will vary depending on the length of your trip, the type of vehicle you are driving, and the area you will be visiting.
How can I make a claim in case of an accident? ←
First, you should exchange information with the other driver, including your name, contact information, and policy information. If possible, you should also take photos of the accident scene. Read More
Once you have this information, you can file a claim with your Mexican car insurance company. You will likely need to provide a copy of the police report, as well as any other supporting documentation.
Do I have to buy the policy ahead of time? ←
Not only is it more affordable to buy a policy ahead of time, but it will also give you peace of mind knowing that you're fully covered in case of an accident. Read More
Your policy can be easily purchased online or in person at Oscar Padilla Mexican Insurance.
