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Mexico Insurance - Car Insurance Policy Differences in Canada and Mexico!

Mexican law does not accept Canadian (or any other foreign) auto policies. So if you choose to drive in Mexico without obtaining a Mexican Auto Insurance policy and are then involved in an at-fault auto accident, you run the risk of being detained (jail) until you provide proof you can cover the accident's debt. This debt runs deeper than the people and vehicles involved in the accident, you may also have to help cover the livelihood of the families of those injured as well.

In both Canada and Mexico, car insurance rates and base services provided depend on the policy chosen. In Canada, the mandatory minimum liability insurance coverage is usually $200,000 in all provinces except Quebec where the minimum liability requirement is $50,000. In Mexico, there is no set minimum in liability coverage, however, most reputable Mexican auto insurance companies start vehicle liability coverage at $50,000 and since it’s not expensive to increase it, most people buy a minimum of $100,000. This coverage would provide payment in the event you are found at-fault for third party vehicle damage and / or injury to others.

In addition to paying for the other party's damages, if you select the minimum liability insurance, you should also negotiate Mexico Insurance coverage that provides:

- Legal Assistance including Bail Bond

- Roadside Assistance

- Coverage in all Mexican territories

- Medical evacuation if needed

Also make sure your coverage provider details specific pay out amounts and the limitations of the policy. If you are unsure about the amount of coverage, ask. Liability coverage may be enough if you have readily available funds elsewhere to cover the difference between the accident cost and the amount the Mexico Insurance coverage will pay. Full coverage is usually the best option for newer vehicles. Make sure your full coverage Mexican insurance policy includes coverage for:

- physical damage to all vehicles involved.

- repair amounts (in the U.S. and Mexico) that are based on adequate labor rates.

- total theft coverage as well as car rental in the event your vehicle is stolen.

- medical payments for yourself and your passengers.

- additional medical payments for accidents caused by uninsured motorists.

Accidents involving liability coverage that occur in Mexico bear no effect on your Canadian policy. Your Canadian liability auto rates will remain the same, and your Canadian driving record will not note the accident.

It is essential that you understand that in the event you are deemed responsible for the accident and the damages incurred (to vehicles or individuals) exceed the amount of your coverage, you will be personally liable for the overage amounts. This caveat holds true in both Canada and Mexico. In Canada, if you are found liable through the court systems arrangements such as garnishments, asset repossession, and liens may be put into place to secure the overage. In Mexico, however, you are responsible for showing that the overage can be covered, and are detained by Mexican authorities until this proof is provided. In the event the costs exceed the amount of your assets, your detainment can persist. (jail)

Before planning your next trip to Mexico, carefully compare the services provided by your Canadian car insurance to the Mexico Auto Insurance policy you are looking to purchase. There's nothing worse than finding out too late that the normal coverage in your Canadian policy is actually extended coverage that needed to be added separately when you purchased Mexico insurance.

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