One thing that travelers often wonder is how the Mexican insurance requirement is enforced south of the border. You’re sure to have heard that Mexican auto insurance by Mexican Insurance Store.com is required by law, but you’re probably wondering how the authorities will even know that you’re driving without it. After all, it’s not like there’s a sticker prominently displayed on your vehicle. Couldn’t you get away with not buying it at all? Find out why you need to understand the Mexican insurance requirement below.
There are no random checks for Mexican auto insurance down in Mexico. It’s not like you will normally be stopped and asked to produce proof of coverage. With that in mind, it may feel like you don’t have to worry about it. You have no intention of being involved in an accident, and you plan to obey the law in general. So why is Mexican insurance is required by law? What’s there to worry about? Random checks may not occur, but accidents definitely do. If you’re involved in one and can’t show the cops that you have Mexican auto insurance instantly, you will have to go to jail.
Traffic Stops and the Mexican Insurance Requirement
What if you’re stopped for speeding, running through a stop sign or for another traffic violation? Will the officer ask to see proof of coverage to meet the Mexican insurance requirement? No, he won’t. Normally in those situations, cops really don’t care if you have insurance or not. Unlike in the States, you won’t be asked to show a copy. For that reason, it’s easy to assume that this type of insurance isn’t all that important. Don’t fall into that trap. You definitely need to carry valid coverage at all times. Is Mexican auto insurance required by law? Technically, NO but you MUST take “financial responsibility” per the law. You can pay cash, write a check or post a bond to pay your damages, but 99% of the time this is not the best method to meet the minimum requirements of the law. Going without it exposes you to some pretty serious consequences.
The one and only time that you’re sure to be asked for proof of insurance is in the aftermath of a car accident. If you can’t give the cops a copy of it, you’re going to be in very hot water. They have to follow procedure. For that reason, they must detain you while they complete their investigation of the accident. If you’re found to be at fault, you could end up owing hundreds or thousands of dollars. You’ll rue the day that you chose to go without this important insurance, so don’t let it happen to you.