Mexican Auto Insurance – Medical Payments Needed in Mexico
In reality, many Mexican auto insurance brokers will NOT tell you that auto insurance alone, when driving in Mexico is not enough.
The fact of the matter is that if you get into an accident, there is a VERY high likelihood that you will need emergency assistance… particularly in Mexico where the severity of accidents can be worse than in the United States. Mexican auto insurance provided by MexicanInsuranceStore.com come with Medical Payments coverage with can be used by the driver and up to 4 passengers to pay for urgent care or hospital bills.
Additionally, most people consider health insurance South of the Border a MUST … but your health insurance policy issued in the United States or Canada usually does not cover an injury in Mexico, so you may need higher medical payments coverage added to your car insurance for Mexico policy, in order to insure that some, if not all of your doctor or hospital bills will be taken care of in the event of a car accident.
This means after you purchase Mexican auto insurance for your trip, and you end up NEEDING it, your United States health insurance will not cover any injuries because US and Canadian health insurance is not readily recognized in Mexico, that’s why its added to your car insurance for Mexico policy.
Of course while it is true that Mexico does have a health system that gives free medical coverage to its citizens, Mexico’s facilities are not available to foreigners without charge. If you’re from the U.S. you may need to use a more expensive private clinic. Having said this medical expenses in Mexico are far less than in the U.S.
For this reason, make sure that medical payments are added or included in your policy, as you can use it whether the other guy is insured or not.
Also, its no secret that authorities in Mexico may attempt to take advantage of gringo visitors from the North. If you are in an auto accident, you may certainly need legal help, which means you’ll want your Mexican auto insurance to cover legal liability AND bail bond.
Many brokers do not sell Mexican auto insurance that adequately covers legal assistance. Most Mexican auto insurance by MexicanInsuranceStore.com policies cover legal assistance which is included up to the liability limit of the policy.