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Mexican Car Insurance FAQs, Mexican Auto Insurance Uninsured Drivers



Q: Am I covered if an uninsured driver hits me in Mexico?

A: Full-coverage Mexican car insurance will protect you for the damages done to your vehicle in the event of getting hit by an uninsured driver. Regardless of who is at fault, damages to your vehicle and medical costs for you and up to 4 passengers are covered by your policy, up to the stated limits if you purchase "Full Coverage". The key thing to keep in mind here is that the uninsured driver are irrelevant as your vehicle is protected by your own policy. Always exercise caution when driving in Mexico.

If you have liability-only Mexican insurance, damages caused to your vehicle by an at-fault, uninsured driver will not be covered by your own policy. However, medical expenses for you and 4 passengers will be. That coverage will be valid only up to the limits that are stated on your policy. If you’d like to avoid the possibility of having to pay out-of-pocket for damages to your vehicle, including total theft of your vehicle a full-coverage policy is always the best option. Full coverage provides the best peace of mind, allowing you to enjoy your time in Mexico to the absolute fullest.


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