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Best Mexican Insurance Coverage And Rates!
Toll Free 1-888-800-9988 from the US or Canada
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Mexico Insurance FAQs, The Need For Mexico Auto Liability Coverage Protection
Q: Why is it important to have Mexico auto liability coverage when driving in Mexico?
A: If you think that Mexican car insurance is designed to be used in addition to a U.S.- or Canada-based policy, think again. The reason that you need auto liability insurance when driving in Mexico is because your Canada-based or U.S.-based policy is rendered null and void as soon as you cross the border. Even if your regular policy claims to provide coverage in Mexico, it will only be for a mile or two within the border - and it won't come with the perks and extras that quality Mexican auto insurance will.
In the unfortunate event of an accident in Mexico, the authorities' first priority - after ensuring that injured people are taken care of - concerns money. They need to make sure that they receive proof of financial responsibility from those who are involved. They will look to you, then, for proof of Mexico auto insurance. If you are unable to produce it, you will be in for a long, rough night.
Simply buying a basic Mexican insurance policy isn't good enough. You need to make sure that it has realistic limits. The right policy will provide full coverage, in the truest sense of the word - it will cover damages, total theft, fires and other incidents. Full coverage Mexican auto insurance policies are available through Mexican Insurance Store - Mexican insurance is all we do.
Mexico authorities do not recognize American or Canadian issued policies as valid. All US and Canadian Car Insurance Policies have territorial exclusions. Officials recognize coverage written by admitted Insurers 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 invalid as well or cover a limited number of miles (usually 10-25 miles) into the border. Medical health insurer cards issued in the United States are often NOT recognized by Medical Authorities as well.
Mexican law does not accept US or Canadian (or any other foreign) auto policies. So if you choose to drive in Mexico without obtaining a Mexico Auto Insurance policy and are then involved in an 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. Car insurance for Mexico is sold a la carte, with more than a few unrated insurers limiting coverage in order to reduce price and their obligation to pay claims as there are no "standard" Mexican Insurance policies. For example, as unbelievable as it may sound, annual policies are still sold at the border today with an exclusion within the policy in fine print that limits an insureds time in Mexico to 90 days during any one policy year.
Auto Insurance for Mexico
is written on a "named perils" basis. "Full Coverage" includes physical damage to your vehicle, total theft, fire, and other perils. Dozens of US agents, gas stations, towing companies and on and on offer coverage at the border, but you should ask yourself how many agents specialize in Mexico Auto Insurance and ONLY Insurance for Mexico? Are they selling Un-rated policies? Is there any value to it if I have an accident? Are the limits adequate to keep me out of jail?
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BE SURE YOU HAVE ADEQUATE MEXICO CAR INSURANCE LIMITS - These limits are important because they need to cover personal injury and property damage that you are deemed to have caused to others. Verify that your Mexico auto insurance is from a quality insurance company.
Make certain that you have proof of valid Mexico Insurance within the car and at hand all the time! (Keep the Mexican auto insurance ID cards on your person, because they will have the important phone numbers that may need to call)
In Mexico the authorities do not care where the money comes from, but whether you can pay your obligations or not is what determines your actual freedom.
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