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Mexican Auto Insurance
ING Seguros, Ace Seguros
 
Helping find quality insurance from West Coast to East Coast since 1979.
Questions? 1-888-800-9988 		Mexican Insurance
"AAA" Rated

Mexican Insurance - Frequently Asked Questions and Answers; Your Source For Current Industry News and Information from Mexico


  1. Why should I buy my coverage from Mexican Insurance Store?
  2. Is there any advantage to internet policies versus paper policies?
  3. How secure is my purchase and privacy?
  4. How can I get my insurance policy?
  5. What will I receive when I buy my policy?
  6. What do I do if I get into an accident?
  7. Why do I need auto liability coverage when driving in Mexico?
  8. What is covered in a Mexico auto insurance policy?
  9. What is "Liability Only" coverage?
  10. What is "Full" coverage?
  11. What is Legal Aid & Bond Coverage?
  12. Mexico Driver's License Policies?
  13. Why are the insurance laws different in Mexico?
  14. What happens if I have an accident in Mexico?
  15. Is my coverage good anywhere in Mexico?
  16. How much does daily, weekly, monthly or annual coverage cost?
  17. Can't I just buy coverage in Mexico?
  18. What if we have two drivers or registered owners?
  19. How much liability coverage should I buy?
  20. Can I insure limos or other vehicles for hire?
  21. What other important things should I know about Insurance for Mexico?
  22. What if I am going to be towing a vehicle, trailer or boat?
  23. What about questions regarding automobiles, trucks, trailers, motorhomes, RV's, motorcycles or ATV's?
  24. How do I obtain coverage on my rental car?
  25. What if I am involved in an accident while under the influence of drugs or alcohol?
  26. What if my automobile is stolen in Mexico?
  27. What if my automobile is impounded in Mexico?
  28. What if I have a claim?

1. Why should I buy my Mexican Auto insurance from the STORE?
We provide our customers industry recognized car insurance from top rated companies authorized to do business in Mexico. We have helped tens of thousands of insurance buyers from West Coast to East Coast since 1979. Our staff has a combined experience of 76 years in the insurance industry.

We are "AAA" rated by the Los Angeles Better Business Bureau. ACE Insurance and ING Insurance are both "A" Rated Insurers as evaluated by A.M. Best, the industry recognized leader in Insurer Rating Services. Competitive Rates - Comprehensive Coverage
  • NO paper generated policies
  • Compare and customize packages for your travel needs
Unmatched Services
  • More coverage options: Mexico Uninsured Motorist, Partial Theft, Vandalism, and cost of labor for damaged vehicle repairs
  • Each provider has 24 hour, 365 days a year claims service
  • 24/7 Emergency Medical Assistance included with all ACE policies and ING policies.
Quick and Secure Service
  • Free instant online quotes
  • VeriSign security and encryption to protect you and your transaction
  • Authentic and recognized Certificate in English and Spanish, accident instructions and important phone numbers that you print right from your computer
2.Is there any advantage to internet policies versus paper policies?
A BIG difference separates paper generated policies and electronic Internet driven policies. Paper generated policies are issued the old fashioned way by insurance salesmen usually in small neighborhood offices and sent to Mexico using the snail mail approach. In other words, the agent fills out all the paperwork, goes to the post office and mails your policy to Mexico. Many agents in order to minimize costs, don't mail anything until they can send 5 or 6 policies at one time. So your policy may be delayed for a few days. On top of this, it may take up to 10 days for the batch to get past customs & reach Mexico City, where most of the major insurers are located. Then it must be processed and entered into their master computer database manually one at a time.

What happens if you have an accident & your Mexico insurance company doesn't have evidence of your policy? What happens if you have an accident on a weekend when almost all agents are closed? Since you are held until the authorities can confirm that you have the means to pay for any damages that you are deemed to have caused, it's important for your insurer to be able to verify coverage quickly.

3. How secure is my transaction and privacy?
As part of our live credit card payment processing system, we protect your transaction using Verisign's Electronic Payment Processing, which uses 128-bit Secure Sockets Layer (SSL) Encryption. We do NOT view or store your credit card number.
Mexican Auto Insurance - Verisign

4. How can I get my insurance policy?

  1. Enter your vehicle information and purchase a policy online. Instantly print a legitimate & recognized Mexican auto insurance certificate.
  2. Call us. We enter the information and email or fax the policy to you.
5. What will I receive when I buy my policy?

  • Authentic and recognized Mexican Auto Insurance Policy.
  • Emergency Medical Assistance with all ACE policies or ING policies
  • Roadside Assistance with ING and ACE policies including RENTAL CAR.
  • Accident Instructions & Essential Information.
  • Important Phone Numbers.
  • Verisign Transaction Receipt.

ACE Seguros Auto Tourist Policy
ING Seguros Auto Tourist Policy
Metropolitana Auto Tourist Policy


6. What do I do if I get into a car accident?
We provide written accident instructions with every order.
Very Important: All claims must be reported in Mexico to an authorized insurance adjustor or claims service center BEFORE you leave Mexico. Failing to do so subjects the claim to denial by the Mexican insurance company.

7. Why do I need insurance when driving in Mexico?
Mexican authorities do not recognize American or Canadian issued policies as valid. Mexico officials recognize coverage written by admitted Mexican Insurance companies only. Mexico officials will want proof of financial responsibility to third parties even if you are not found at fault. Most US & Canadian physical damage and theft coverage's are considered invalid in Mexico. Medical insurance cards issued in the United States are often NOT recognized by Mexico Medical Authorities.

8. What is covered in a Mexico auto insurance policy?
Mexican authorities do not recognize American or Canadian issued policies as valid. Mexico officials recognize coverage written by admitted Mexican companies only. Mexico officials will want proof of financial responsibility to third parties even if you are not found at fault. Most US & Canadian physical damage and theft coverage's are considered invalid in Mexico. Medical insurance cards issued in the United States are often NOT recognized by Mexico Medical Authorities.

ACE Seguros Auto Tourist Policy
ING Seguros Auto Tourist Policy
Metropolitana Auto Tourist Policy


9. What is "Liability Only" Car Insurance coverage?
The Liability Only Coverage means: legal liability for injuries or death of persons not in your vehicle, property damage caused by your vehicle, medical expenses for you or other persons in your vehicle caused by a covered loss. Our Programs include guaranteed bond and legal aid assistance with each "liability only" policy. These services are available 24 hours a day, 365 days a year. "Liability Only" Coverage meets the minimum liability requirements of the Mexican government.

10. What is "Full" coverage Car Insurance?
Full Coverage means Liability Only Coverage and in addition, coverage for Physical Damage to your vehicle and Total Theft of your vehicle. The insurance coverage protects your vehicle for total theft, collision, turnover, fire, lightning, explosion, and metrological phenomenon such as windstorms, cyclones, hurricanes and earthquakes. Partial theft and acts of vandalism are excluded. Towing expenses are covered in order to move the vehicle to a place designated by the company for repairs. What is full coverage with Mexican Insurance Broadening Endorsement.

11. What is Legal Aid & Bond Coverage ?
In Mexico, it is considered a felony to have a traffic accident. While the police are concluding their investigation, your vehicle could be impounded and you could be detained by Mexico authorities. With Legal Aid, you have accessibility to an attorney hired specifically for this purpose by your insurer who will assist you and negotiate for you and your car's release.

12. Mexico Driver's License Policies ING offers a unique policy called a "Drivers License Policy". This type of policy is offered if you wish to simply have liability coverage to drive different vehicles. This policy does not cover physical damage or theft.

This policy is designed to cover one particular driver, NOT any one vehicle.
  • Annual policy.
  • One driver per policy
  • Valid for autos, trucks, vans, SUVs, Motorcycles, RV's or Motorhomes.
  • Must have valid US or Canadian Driver's License.
  • Liability Limits offered: $100,000 USD up to $500,000 US
  • Medical payments for occupants of the insured vehicle.
  • Legal aid and bail bond
  • Any Vehicle that is RENTED is NOT eligible.
  • Other "high risk" and luxury vehicles may not eligible. Call us.
  • No Mexico plated vehicles or Mexico driver's licenses are eligible

    Why would I be Interested in a Driver's License Policy?
    The driver's license policy is convenient if you are NOT concerned about buying "Full Coverage" (full coverage policies include physical damage to your vehicle and theft coverage) and you would like the ability to drive different eligible vehicles, because you may not be sure which vehicle you will take at any given time. Many policyholders choose this policy if they drive older vehicles whose value is limited and not a concern.

    Why can't anyone drive?
    The policy is discounted and covers one named driver only, so if anyone else drives, they will not be covered. Any other driver would require their own driver's license policy. It may be more convenient and affordable to simply buy a "Liability Only" policy that would cover a specific vehicle, because anyone over 21 with a valid driver's license can drive if you are covered by a "Liability Only" or "Full Coverage" policy..

    How much do driver's license policies cost?
    They are affordable, starting at a little over $125.00 annually.

    How do I get a quote?
    Visit here: Mexico Driver's License Policy. Under "Coverage," choose "Driver's License Policy." Fill in a few question blanks, and you will have your quote in a minute or two.

    13. What are "Fixed" and "Variable" deductibles?
    All ING policies have FIXED 500/1000 deductibles regardless of vehicle value. Some US and Canadian banks, finance companies and leasing companies now require that deductibles be fixed meaning $500 for collision and $1000 for theft. GMAC in particular requires that you purchase our fixed deductible combined with at least $100,000 in liability coverage. Many programs use a percentage of the value of the covered vehicle to calculate deductibles. Typically 2% of the vehicle value for collision claims, and 5% of the vehicle value for Theft claims. We offer a fixed deductible option. This means $500 for collision and $1,000 for theft, regardless of the value of the vehicle.



    National Producer License # 2663714
    California License # OC24601
    3819 Saint Austell Way
    Perris, CA 92571
    Tel: 888-800-9988 951-657-4220
    Fax: 626-638-3255
     

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