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Mexican Insurance FAQs, Mexico Car Insurance Coverage Information

Is there any advantage to internet generated policies versus manually generated paper policies?

There is a BIG difference between paper generated and Internet driven policies. Paper generated policies are issued the old fashioned way by broker 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 the Home office, 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 Insurer doesn't have evidence of your purchase? 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 they deem you have caused, it's important for your insurer to be able to verify coverage quickly.



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