Mexico Insurance Coverage – Tips On Buying The Best Policy
The first thing you should consider when you are planning a trip by car to Mexico, is to purchase Mexico insurance coverage. No-one wants to consider that they may be involved in an accident whilst holidaying, but these things happen and you do not want to be stuck without Mexico auto insurance coverage.
Many people believe that all auto insurance policies are the same and they do not make the effort to compare policies and try to find the best Mexico auto insurance coverage for their needs. This prompts many travelers to purchase their Mexico insurance coverage at the border, and some of them do not even take the time to read through the contract. This is an extremely dangerous method as you will be completely unaware of your coverage if you are involved in an accident. That is definitely not the right time to find out that you have inadequate cover.
Have A Detailed Plan of Your Mexican Trip
Your first step should be to plan your trip carefully. You can purchase Mexico auto insurance online and this offers you the opportunity to obtain the policy for your particular needs. You can click here to purchase your Mexico auto insurance. You can obtain instant quotations online and you have the chance to read about what is on offer. Once you have purchased your policy, you should print a couple of copies, preferably in both English and Spanish.
You should check if the Mexico insurance coverage provider will allow you to repair your vehicle in Canada or the US. There are providers who stipulate that your vehicle can only be repaired in Mexico. This means that even if there is only cosmetic damage to your car, you will either have to return or wait in Mexico for it to be repaired. It is often easier to drive your vehicle back home and have it repaired there. If the Mexico insurance coverage provider allows you to have the vehicle repaired in your home country, you should check the labor rate that is allowed. Hourly labor rates are usually much higher in the US and Canada than in Mexico and most providers will limit you to a specific rate. All Mexico insurance coverage purchased from Mexican Insurance Store.com allows repair in your home country.
Check What Are Included with your Mexico insurance coverage
It is advisable to check if your policy includes legal service. You should confirm that this includes attorney fees, bail assistance and court costs. You may need this service if the accident resulted in fatalities or serious injuries.
Another option to check is if the policy includes air flights and medical evacuation home. This type of coverage is often not included in Mexico auto insurance policies at the border. Medical evacuation and airplane tickets could be quite costly if you are involved in an accident, so it makes perfect sense to include this facility in your Mexico insurance coverage.
Prior to clicking on the ‘buy’ button, you should check the deductibles that apply. There are generally two types, theft and physical damage. Theft and physical damage deductibles can range between $500 and $2,000 or higher. This is normally based on the value of the vehicle, and calculated on a percentage thereof. If you drive a vehicle with a high value, you should consider a fixed deductible, as a percentage may be extremely high.
It is important to know exactly what you will be liable for in the event of an accident. Check your policy Mexico insurance coverage contents when you receive your policy.