Road Trip To-Do List: Get Mexican insurance!

Whether you’re driving to Mexico to shop the mercados for a day or heading south on an epic coastline adventure, there is one thing you must consider before crossing the bridge: what happens if you get in an accident? Depending on how you answer this question, you may end up in a Mexican jail spending your hard-earned vacation money repairing someone else’s bumper.

First things first, take a look at how Mexico handles car accidents. This counts for motorcycles and other motor vehicles as well. Take the most common scenario where you’re driving along, minding your own business, and out of nowhere you run into another car in the middle of an intersection. Was your light green or was his? Well, it’s your word against his. In the United States, nobody goes to jail and this question of fault gets decided at a later date.  In Mexico, under Napoleonic law, you’re presumed guilty until proven otherwise. In layman’s terms, you’re hauled off to jail until somebody pays up. You might get to plead your defense before a Mexican judge, but without Mexican insurance you’re up a creek.

The best way to avoid this scenario is to get Mexican insurance coverage prior to entering the country.  If you happen to get in an accident, you’ll want to call your Mexican car insurance company to send an adjuster to the scene. Along with the police, they will conduct an investigation to help determine who was at fault. If you have valid car insurance for Mexico, you will not normally be held in jail until you pay for any damages you caused. Without valid Mexican car insurance, you would likely have to face detainment as you must  pay the entire amount before they must let you go. And nobody wants that.

The better ending to this scenario is when you have substantial coverage from a legitimate Mexican insurance policy. According to the Financial Strength Rating (FSR), this is an “A-” or higher.  With a reliable policy, your insurer will immediately meet your financial responsibility to pay the damages you are responsible for. That means you can be on your way and continue your trip as planned. Another bonus to reliable Mexican insurance is the ability to repair your vehicle across borders.  Many Mexico-based providers require repairs be made only in Mexico.  Assuming the car is drivable, this is another unwanted delay that can easily be avoided by choosing a policy through the Mexican Insurance as all their policies offer the flexibility of repair in the US, Canada, OR Mexico.

There are a few things to consider when you research car insurance for Mexico. Ultimately you want a policy that gives you the amount and duration of coverage you want, at the best premium available. First, make sure that the company you pick is rated either by A.M. Best or Standard and Poor’s (S+P).  Many local Mexican Insurance companies are NOT rated by anyone, so there would be no way to tell if they have a good reputation or if they even have the ability to pay the next claim. Then look for coverage that includes things like theft and vandalism, car rental services, towing, repair options, legal and roadside assistance, and even help with medical payments. Once you get your policy then you can enjoy better peace of mind as you head south on your adventure.

Mexican Insurance Store


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