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WHAT IS MEXICAN CAR INSURANCE AND WHY YOU NEED IT?
Every year thousands of Americans drive into Mexico. Many may not know, however, that their American car insurance is invalid in Mexico. If you enter Mexico with a car, you need a special type of car insurance. Whether you want to take a road trip through our neighbor to the south, or need to conduct business, here’s all you need to know about car insurance in Mexico.
WHY DO YOU NEED CAR INSURANCE IN MEXICO?
Mexico does not recognize American insurance policies. If you get into an accident anywhere in Mexico, you will not be able to use your car insurance to cover the damages. As a result, Mexican authorities may arrest you, and impound your car until the matter can be settled. Without a proper way to pay for damages, the process may take a while. Remember too, this can all be happening in Spanish. Getting into an accident is already enough to disturb your vacation plans, don't let it ruin them by having an insurance mishap. The risk and consequences are too great to not purchase a policy before you go to Mexico. Luckily, it is easy, and comparatively inexpensive to get your own Mexican car insurance policy.
HOW DO YOU BUY MEXICAN AUTO INSURANCE?
The best way to buy Mexican car insurance is the same as regular car insurance; online through a trusted company. Large companies like Progressive and GEICO have partnerships with insurance companies, which specialize in international car insurance policies. There is also the option to purchase it at the border, but usually the cost of those policies are several times more expensive. Overall, a Mexican car insurance policy isn’t all too different from an American one either. They will ask for:
- The Type of Car You Drive
- The Value of Your Car
- What Limits You Want
- How Long You Are in Mexico
- Where You are Driving in Mexico
- If Any Driver is Under 21
- If You are Towing Anything
In contrast to American insurance, there isn’t much questioning on your driving record. Coverage consists of a lump sum liability limit, some sort of first-party medical benefits, uninsured motorist insurance, and other endorsements such as rental car insurance, roadside assistance, and even coverage to pay for plane tickets should something happen to your car. The lump sum liability is the equivalent to combining bodily injury and property damage liability insurance in the U.S. Rather than having two separate capped values, which are futher divided into a "per accident", and "per person" basis, the lump sum can be allocated for as much is needed in a property or bodily claim. It is recommended, based on Mexican law, that drivers get a minimum of $300,000 worth of liability damage. That may be more than your limits at home, but it is considered well worth it. If you do not carry collision or comprehensive coverage on your current American policy, you will be ineligible for it in your Mexican policy.
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