Help With Your Mexican Insurance for Tourists and Liability Choices
One of the most active federal highways in Mexico is Highway 1, which travels through the peninsula from northern tourist corridor communities such as Tijuana and Ensenada to the southern hot spot of Cabo San Lucas. Your Mexican insurance for tourists is not limited to use in Baja, but your choices are governed by your travel plans for the duration of the policy. Your Mexico insurance coverage for tourists should be adequate to cover death benefits in the states you will visit.
Baja Bound: Liability Decisions
Your liability limit must include the potential cost if you are responsible for the death of a Mexican citizen or other individual in a car accident. The limits for Baja del Sur are more than double those for Baja Norte based on issues such as average wages, which are used to compute this benefit. In some cases, your policy choices for a Baja del Sur trip could be limited because only certain providers of Mexican insurance for tourists offer liability limits in excess of $300,000. If you will only travel to Baja Norte, then your Mexican insurance for tourists options are more extensive due to much lower death benefits.
It is always wise to think in terms of more than just death benefits. Your involvement in a serious accident can also lead to legal challenges due to issues such as Mexico’s Napoleonic law, which operates on the presumption of guilt. The liability limits of your Mexico insurance coverage for tourists also addresses bail bond benefits and legal support. An incident involving multiple fatalities could be even more serious, making maximum liability limits crucial for avoiding major financial backlash.
What About States that Exceed the Maximum Liability Limits?
There are two states, Coahuila and Yucatan, that exceed the maximum limits available in Mexican insurance for tourists . If either of these states is on your itinerary, you may need to contact your domestic provider to supplement with a personal umbrella.
You can review your specific plans as you generate a quote for your Mexico insurance coverage for tourists. You can also contact us by email for additional recommendations.