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Driving and Mexico Laws: Mexico's law is based on Napoleonic Code where guilt is assumed over innocence. As a result, all drivers must have a Mexico Auto Insurance policy from a company authorized to do business in Mexico to cover damages or injuries.

Within Mexico, your American or Canadian auto insurance policy is not valid. This includes most collision and comprehensive coverage usually covered within U.S. policies. In addition to the necessary Mexican Insurance Coverage, motorists should also purchase a plan that covers legal aid and bond expenses. In Mexico, it is considered a felony to have a traffic accident.

The Department of State further warns U.S. travelers that they can be prevented from leaving the country even if "life-saving medical care" is required.

Medical Assistance Services Mexico's national health-care system is free to its citizens. However, as a visitor, you are not entitled to this service. As a tourist, you can only receive medical treatment and medications from private clinics and hospitals.

Therefore, you should check with your medical insurance company to confirm that your policy will cover air and land evacuation home as well as other medical expenses.

In the United States and in Canada we worry about the exposures of Bodily Injury, Property Damage and Theft in that order. In Mexico we worry about Theft, Property Damage, and then Bodily Injury in that order. Consequently, Physical Damage to your Vehicle and Theft coverage generates a good portion of each policies premium. Just remember that all Mexican Insurance Companies can legally assess a penalty if you under value you vehicle and get intom an accident. Say you insure your vehicle for 60% of its value, because thats what you owe. All Mexico insurance companies can give you a 40% penalty on any loss.

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