FAQ

What car insurance do i need in mexico

Ancient ruins, stunning beaches, and heavenly cuisine are just a few of the myriad reasons to visit Mexico. Many Americans choose to drive to Mexico. But even if you have an adventurous spirit and a thirst for spontaneity, driving to Mexico without a little planning is no good.

Mexican law requires that all vehicles have automobile insurance. Your US car insurance typically won’t cover you unless you purchase additional insurance, sometimes called Mexico tourist car insurance or Mexican car insurance. What if you don’t comply with Mexican law? you could end up in jail, where the views are much less impressive and the cuisine is much worse.

Reading: What car insurance do i need in mexico

Do I need Mexican car insurance?

You need Mexican auto insurance if you plan to drive in Mexico. Your US auto insurance policy alone will not be enough to comply with Mexican federal civil liability law. To comply with this law, you must purchase a separate Mexican liability insurance policy from a licensed Mexican insurance company.

Once you have Mexican liability insurance, your US liability insurance. uu. car insurance may have limited coverage, depending on your insurance company.

You can purchase a Mexican auto insurance policy separately from a US or Mexican insurance company. uu. company that works with Mexican insurers. you can usually find a policy that fits the length of your stay. For example, Allstate and Geico can get Mexican auto insurance policies that will cover trips to Mexico lasting anywhere from a day to a year.

You will pay a premium that is separate from your US account. uu. car insurance policy. your coverage will begin and end on the dates you select. if you drive outside the effective dates of your policy, you will not be covered and will be subject to the fines and penalties of Mexican law.

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To buy a car insurance policy in Mexico, you will need:

  • dates you will travel to mexico
  • where will you travel in mexico
  • its us car insurance policy number (you can find it on your insurance statement or policy)
  • driver’s license (if you are under 21, you may have to pay an additional fee)
  • year, make and model of your car
  • vehicle identification number
  • registration number
  • what does auto insurance cover in mexico?

    civil liability auto insurance in mexico

    You are required by Mexican law to have civil liability insurance. If you cause a car accident, this covers bodily injury and property damage to others. you can usually choose a policy limit (up to a certain amount). For example, Allstate and Geico can help you get up to $500,000 in Mexico travel liability coverage, while General can help you get up to $300,000.

    It’s a good idea to purchase the maximum amount of liability coverage available. That’s because liability auto insurance in Mexico works differently than it does in the US. uu. If you cause an accident that results in death, Mexico’s federal civil liability law says your insurance must pay the Mexican state minimum wage multiplied by 5,000, plus funeral expenses, per person. the Mexican state can then multiply this amount by up to five times (in some Mexican states a judge will determine the limit to pay).

    for example, the minimum wage in tijuana is $213.39 mexican pesos: 5,000 x $213.39 = $1,066,950, which is equivalent to $53,744 in us. dollars, based on an exchange rate of $19.85. the state can multiply this figure by five, which equals $268,720 per person.

    other types of coverage for driving in mexico

    Liability insurance will not cover damage to your car or injuries to you and your passenger. You can fill in these coverage gaps by purchasing additional types of coverage, such as:

    • physical damage coverage. This pays if your car is stolen or damaged by things like a car accident, vandalism, fire, flood, hail, and falling objects.
    • Medical payments. This covers medical expenses for you and your passengers if you are injured in a car accident.
    • legal assistance. If you are in a car accident in Mexico, this pays for legal expenses such as an attorney, court costs, and bail bonds.
    • roadside assistance. if your car breaks down in mexico, this pays for services like a tow truck, jump-starting a battery, a locksmith, or changing a flat tire.
    • medical evacuation. If you are injured in a car accident, this pays for emergency transportation to a hospital or treatment facility.
    • limited coverage in mexico

      Some insurance companies include limited coverage in Mexico as part of a policy. For example, USAA has policies that extend coverage for trips to Mexico within 75 miles of the United States. edge. This may extend your comprehensive and collision insurance to Mexico, but you will still need to purchase liability coverage from a licensed Mexican insurance company.

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      and some auto insurance companies offer a “limited coverage in mexico” endorsement, which extends your existing coverage from your usa. uu. policy (such as your collision and comprehensive coverage) even travel to mexico within a certain distance of the border. but for this endorsement to apply, you must purchase liability insurance from a licensed Mexican insurance company.

      For example, Hartford has an endorsement that limits coverage to 25 US miles. uu. border for trips of 10 days or less.

      Check with your insurance agent to determine what coverage, if any, your current policy has once you cross the border.

      where can i buy car insurance in mexico?

      this is how to buy car insurance in mexico:

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