A car accident in Mexico can become a costly nightmare if you do not have the proper documents. You should carry the following information with you.
Mexico Insurance Policy: You must have Car Insurance For Mexico by Mexican Insurance Store issued by a company recognized by the Mexican government. Additionally you should have a payment receipt, accident instructions, and ID cards to help communicate with your insurer.
Valid Driver’s License: The license should have your photo and match the name on the title or registration.
Vehicle Title or Registration Receipt: The title or registration should be up in your name or the insurance policy should identify the owner by name and the principal driver. Unregistered vehicles or vehicles with expired tags could have their vehicles confiscated.
Proof of Citizenship: Drivers License, Birth certificate, passport, or notarized proof of citizenship. (Must have passport in 2008)
Permission Letter From Bank or Lien Holder: If you do not own the title on the car, and you will be traveling beyond the border zone, (Approx. 70 miles from the border) you must have a letter of permission from the bank or lien holder for financed cars, rental cars, leased cars, or company cars (on company stationary).
Credit Card: A credit card, such as Visa or MasterCard,in your name.
Vehicle Permit: If traveling beyond the border zone, you must obtain a temporary import permit, and display it on your windshield.
Affidavit of Vehicle Return to the United States: If traveling beyond the border areas, you must sign an affidavit promising to return your vehicle back to the United States, and pay a refundable deposit.
In an event of an accident be prepared to do the following:
Do not move your vehicle until the police arrive.
Contact your insurance provider for Medical or Legal help and to report an accident.
Remain with your vehicle until the Adjuster arrives.
Complete the Accident Report.
Complete and sign a parts inventory form before having your car towed as things have been known to disappear.
You will need to obtain the following documents for insurance claims:
1. Police Report: A Copy of the original report filed by the appropriate Authorities.
2. Medical Report: Your insurance company will provide a form that must be signed by a licensed physician who provided the medical services.
3. Medical Invoices: Any invoice issued by the hospital, physicians, and pharmacy.
Finally, allow your Mexico insurance company to manage issues related to the accident. Avoid making verbal agreements or sign any written agreements with the other party. Most importantly, do not assume liability in the accident. Your insurance company will guide you through the claims process, and will inform you of any liabilities, if any, that you have incurred.