It’s hard to believe in 2020 that some people think you don’t need Mexican auto insurance when driving your car, motorcycle, or RV in Mexico.
Seriously, it’s an eye-roller when a proud ignoramus proclaims that you don’t need insurance and that, in all of their travels, they never had it. First off, they probably haven’t been to Mexico since 1989. Second, they tend to have loud contrarian opinions on a whole litany of topics, from UFOs to conspiracy theories. Third, 9 times out of 10, they’ve been drinking rather heavily.
Occasionally, someone on a Mex Facebook Group will post something that reads like this. “My friend’s uncle, who lives in Mexico, says Mexico car insurance is for stupid Gringos, and you really don’t need it.” Peruse through the posts long enough, and you’ll eventually see a post that looks like this. If you’re gullible enough to believe any story that begins with “My friend’s Uncle…” or something along this line, you really shouldn’t leave your home. The only stupid Gringos are the ones who think Mexico has no laws and that they are somehow immune from obeying them. These fine MENSA candidates invariably end up in jail, broke, and sometimes dead. It’s a sad but real truth. It’s not the ‘cartels’ who seemingly risk their multi-billion dollar operation to hassle a dumb tourist. Rather it’s the visitors’ own acute stupidity that led to their misfortune.
When it comes to driving in Mexico (or anywhere, for that matter), ignorance is not bliss.
Hopefully, these people aren’t the ones you listen to about anything. Especially anything about our neighbors to the South.
Here is the reality spelled out.
If you are in a car accident South of the Border, it’s not like in the USA. First, the police show up and immediately assign fault. Then, they estimate an amount for damages and detain the ‘responsible’ party until they pay the full amount.
Now, if you have (good) insurance, you call them with their local (non-toll free) number from your US Mobile phone and report a claim. First, make sure you have Whatsapp installed on your phone. Many times you won’t know your location, but the agent on the phone will have Whatsapp. You can send your exact location using the app. Next, you wait until they or the authorities arrive. If the police arrive first, tell them, “Tengo Seguro.” It means you have insurance.
From here, you will know why you were smart and bought the good coverage instead of listening to your dumb friend’s uncle. If you bought a Mexico insurance policy from Mexican Insurance Store .com. There are no bad policies or insurers offered for sale at Mexican Insurance Store.
Your Insurance representative that shows up will verify your policy with you. Try to have a copy on paper. They can also use your phone, or you can send it to their phone with Whatsapp. From here, 95% of all of your problems are taken care of. They will negotiate on your behalf and guarantee any damages assigned to you. Most importantly, you will not be detained or go to jail.
Concept of insurance man protective and car insurance policy examining
What happens if…
If you bought a cheap policy or were an imbecile and didn’t get insurance, start calling family and friends to get ready to wire money to you. La Policía will assign an amount in damages, and you need to pay up, right then and there. If you don’t have the money, cops will take you, under detainment, to a bank or Western Union to get the money. Can’t get the money they assign as your damages? You’ll get to sit in a Mexican jail until you do.
If you don’t agree with the amount, you will be seen by a traffic judge within 24 hours. They will most likely side with the cop and probably make you pay even more. This is because the damages will, no doubt, increase in the hours after the collision.
If there’s one thing you learn from all of this, it’s that:
Yes! It would be best if you had Mexican auto insurance to bring your vehicle into Mexico.
A well-backed policy from a reputable carrier will cover you completely and ensure you stay out of jail in the event of an accident.
Cheap policies are just that. They can be nearly worthless at protecting you from the unpleasant aftermath of a collision. You might be able to use them for toilet paper in the jail cell.
Nearly all policies purchased at the border kiosks appear cheap, but leave you quite vulnerable in a collision. Ultimately kiosks often cost you more, because significant fees are added to the total cost.
Your dumb friend, the loud drunk guy, or the blustering fool on the Facebook group (who probably never actually went to Mexico) is an idiot. You probably shouldn’t be listening to idiots.
Here is an infographic we created to help you understand the process if you are involved in a collision South of the Border.
Infographic of a Mexico Accident Timeline – Carry Mexican Auto Insurance
Mexican auto insurance – Rediscover the cool new modern Tijuana
Not too long ago, the Avenida Revolucion was a sad lonely destination.
The threat of the drug wars were scaring away tourists and driving many of the locals out of business. However, the once failing border town has managed to turn its fortunes around, and today the city is a hot spot for everything from art to food to chic coffee bars.
Before driving across the border, make sure you pick up Mexican auto insurance online. Car insurance for Mexico is mandatory, so you can’t get caught without getting into trouble. Learn more about Mexican auto insurance online at MexicanInsuranceStore.com.
Safety and Tijuana
Let’s talk about safety in Tijuana. Invariably, the news is quick to point out the ugliness, but the same media can be quite deceitful about that. When they report Tijuana as having the highest murder rate in Mexico they actually mean The entire Tijuana Municipality. Think of a Municiplaity at a county in the USA. While the city of Tijuana is relatively peaceful, the surrounding municipality isn’t.
As you can see in the map, the municipality covers a much wider area than the city itself. The areas with violence are typically places where no touist would ever be or desire to go.
So what’s in Tijuana?
Once the drug war hysteria died down and investor confidence grew, the city began to slowly but surely transform itself. What used to be a sun-drenched city of cheap pleasures is now attracting the hipster crowd with the many things to do down there.
Where do we begin? There’s the Calle Sexta, or Sixth Street, a trendy after-hours destination for millenials living in Mexico and the U.S. alike. (Yes, there is a hipster bar called Moustache) If you’re into coffee, its a rite of passage to check out La Stazione, a chic coffee spot that specializes in latte art.
Lady Taco
Where should I eat?
If you want street food, you won’t have trouble finding delicious tacos. (Not that you need tacos, its always a good idea to try new things!) If you want to try the best cuisine Mexico has to offer, you have to visit Mision 19. Make reservations.
If you’re a soccer fan, the Xolos feature several Mexican-Americans including Paul Arriola, and the Estadio Caliente is easy to get to. The Mercado Hidalgo is another fun spot that’s touristy but not too touristy. Tijuana also has a criminally underrated art scene, so go see the Pasaje Rodriguez. Pro Tip:Mexican auto insurance lets you drive the toll roads, so pick up car insurance for Mexico ahead of time!
Here are some incredible things you can do in Tijuana.
Tijuana’s beautiful weather, awesome culture, incredible restaurants and wonderful magaritas makes it a very modern, beautiful and colorful city. Do you know that Tijuana is one of the borders that is most crossed in the world? Well, now you know. This is one reason why you need Mexican auto insurance online. Tijuana is located south of San Diego and it’s a border town with the Unites States.
If you’re thinking of things to do in Tijuana, here are amazing places you can visit in Tijuana.
Visit Alma Verde for a mouth-watering breakfast. Alma Verde has all the good qualities of a modern cafe where you can have good, quality breakfast.
Checkout the Albercas El Vergel Waterpark and have fun with the anaconda tube slide and all other side attractions.
Visit Tijuana cultural centre. Do you know that over a million travelers visit the Tijuana cultural centre every year? Tijuana is very rich in culture, you’ll have great fun with the La Bola and El Cubo.
Do you really need Mexican auto insurance online? (Duh)
Car insurance for Mexico is required when you cross the border, no matter how many of your friends tell you its probably not that important. Mexican auto insuranceonline protects you from financial catastrophe, but car insurance for Mexico can also keep you out of jail.
Mexican Car Insurance Online – Is Liability Coverage Enough?
You may feel that you need to satisfy Mexico’s requirement for Mexican car insurance online, but a tight budget might convince you to skimp in the level of coverage you may need. Although a liability-only product will satisfy the requirement to have Mexican auto insurance, it could fail you in the event of an accident that is your own fault. Be sure to pre-think the potential problems that could occur on the road in Mexico before deciding to skimp.
What a Liability Only Policy Covers
Your Mexican auto insurance is appropriate for meeting your obligations in terms of Mexican law. It will typically cover losses suffered by another party in an accident that is your fault. This is the primary reason for having coverage while in Mexico.
Fatality varies by state.
However, the amount you could owe in case of a fatality varies by state. Compare your Mexican car insurance online limits to your planned driving areas.
Your Mexican auto insurance also provides for towing help in serious situations involving your vehicle’s ability to operate. For example, a blown radiator or an engine problem could stop you on the highway or in an unfamiliar town. Mexican car insurance online allows you to contact a help line to explain the situation to a bilingual worker.
Consider this for a lockout, a dead battery, or a problem in which you run out of gas. Pro Tip:Mexican car insurance online from MexicanInsuranceStore gives you toll road access, so remember to pick up a policy before taking off!
Why You Should Buy Mexican Auto Insurance.
Buy auto insurance issued by a Mexican insurance company domiciled in Mexico because foreign auto insurance is invalid in Mexico, especially on Federal highways.
You need to understand that foreign insurance won’t protect you in Mexico. For example, insurance companies in US and Canada offer limited physical damage insurance. However, this physical damage insurance can only insure you near the border. Also, US insurance can not extend liability, and you won’t be protected if an accident occurs and you are at fault.
State and local government laws make it compulsory for all vehicles to be insured by a valid Mexico insurer. The minimum insurance you should have is a liability-only policy. However, you should get full coverage as a liability-only insurance will only cover the damage you cause to other people.
Why Comprehensive Mexican car Insurance Online May Be Better
You probably understand that an accident can affect even the most careful driver. If you have an accident that is your fault, comprehensive coverage allows you to have your vehicle fixed under your coverage terms. In addition, if the vehicle is a total loss, you have access to benefits to go toward replacement of that vehicle.
With liability-only Mexican auto insurance, you would shoulder the total cost of your vehicle’s replacement.
Mexican car insurance online from MexicanInsurance includes Roadside Assistance for peace of mind!
Mexican auto insurance – Avoid document drama in Mexico
Driving in Mexico is not terribly challenging once you get beyond the confusion of some of the larger cities. However, officials can be challenging no matter where you go. You are expected to have a passport for travel in the country, but this might not be reviewed by Mexican officials. Your Mexican auto insurance is unlikely to be reviewed other than in an accident. However, proof of your car insurance for Mexico should be carried in your vehicle at all times to provide officials with important information in an emergency or car wreck.
Learn more about Mexican auto insurance from MexicanInsuranceStore.com.
What If I Don’t Buy A Policy?
Mexican law dictates that all motorists have proper car insurance for Mexico, which includes both visitors and citizens. Because it is law, a lack of coverage could create legal troubles even if you never have an accident. An official could request your travel documents, including your car insurance for Mexico, during a traffic stop, military checkpoint, or after an accident. Even if no other vehicle is involved in an accident, you could find yourself in trouble in a one-car incident because you lack coverage.
Mexican auto insurance is now required across the country!
Napoleonic law makes your failure to comply with the coverage requirements more serious. The Napoleonic system infers guilt until proof to the contrary can be furnished. If you have purchased car insurance for Mexico, your coverage terms can be verified electronically right away. Even if you purchase your coverage just before crossing the border, the details are electronically transferred to Mexican systems. Important! Mexican auto insurance lets you drive the toll roads, so secure car insurance for Mexico before leaving!
What If I Lose My Travel Documents?
In case of a lost passport, you will need to contact the appropriate consulate or embassy for assistance. If you lose your Mexican auto insurance documents, however, you can log into your account at an Internet shop in order to make new copies. Even if you don’t have a hard copy at the time of an accident, your electronic access to car insurance for Mexico allows you to provide needed details to authorities in case of an accident, theft, or other serious incident involving your automobile.
Mexican auto insurance from MexicanInsuranceStore.com gives you peace of mind with Roadside Assistance included!
In today’s world, it is difficult to imagine going anywhere without a smartphone. Even youngsters carry their phones for safety, information, and entertainment on the go. You can use your smartphone to handle many tasks that once required a full computer, including the purchase of Mexico insurance for cars. While you will need a printer to produce a hard copy of your Mexican car insurance, you can rest in the confidence that your coverage details are electronically transmitted into Mexican systems as soon as you complete your transaction.
Data and contact on the go
Your wireless carrier is your best source of information for details about how your device will work in Mexico. Your carrier can provide you with information regarding access to a signal and costs. In many cases, leading carriers have implemented international plans that offer affordable contact options for traveling extensively around the world. On a more local scale, companies have developed plans that allow for rates to remain consistent throughout North American nations. Review your options before you go to ensure that you don’t face surprisingly high bills later. Important!Mexico insurance for cars is now required, so secure Mexican auto insurance before taking off!
Mexican car insurance
Use an iPhone to adjust your Mexican car insurance on the go!
As you travel, a change in plans could usher in the need to update your policy. If you travel to a different state than originally anticipated, for example, death benefits could change, which impacts your needs in liability coverage. If you decide to stay longer, your policy could expire. This is true unless you use your smartphone or an Internet café to update your Mexican car insurance.
Another issue that could arise is a driving emergency such as a breakdown or a dead battery. While you might be able to ask for a jump, you could struggle for the right vocabulary. With your Mexico insurance for cars, you have access to a bilingual support line that connects you with help. A service worker can be dispatched quickly to help with a flat tire, extra fuel, or a tow. Your Mexican car insurance documents provide information about how to make contact, and your smartphone allows you to make the call.
Mexico insurance for cars from Mexican Insurance Store lets you drive the toll roads, saving you time and money!
Mexico insurance by Mexican Insurance Store.com – Animal Adventures in Mexico
If you love wildlife, you may find Mexico to be an exciting source of adventure. There are dolphin swimming experiences, turtle rescue opportunities, and preserves to consider. The timing or your trip may depend on the type of animal or adventure you have in mind, but you can take care of your Mexico insurance by Mexican Insurance Store.com policy at any time in advance of your trip. With Mexican auto insurance protection you can even make adjustments based on changes in plans while you are traveling in Mexico, which you cannot do with a paper-driven (usually un- rated) policy from a Mexico border shack.
Learn more about Mexico insurance by Mexican Insurance Store.com coverage
Formal and Informal Animal Experiences
It is advisable for a tourist to avoid animal encounters in the wild without guides. Although there may be situations in which you will see interesting specimens, an emergency could leave you in a predicament, especially without a guide or other party familiar with the area on hand. Your emergency could become life-threatening in a remote area, especially if you aren’t able to get back out of an area. All Mexican auto insurance policies industry wide prohibit off-road travel with your covered vehicle during your time in the country, but even on conventional roads, you could have an emergency because of an attempt to interact with or get a closer look at an animal. Even dogs and cats can pose dangers as they run free. Remember:Mexico insurance by Mexican Insurance Store.com policies let you drive the toll roads, so secure Mexican auto insurance coverage before leaving!
Formal animal attractions don’t guarantee your safety, but there are typically guides or other knowledgeable parties handy to help you avoid dangerous situations. You can research such options in advance to evaluate timing, safety, and locations. Once you have confirmed your destination and timing, make sure that you also confirm what type of coverage you are buying.
Mexico insurance by Mexican Insurance Store.com is more than a formality
Your Mexican auto insurance from MexicanInsuranceStore.com meets the requirements of Mexican law which is to carry an acceptable policy. You could deal with expensive financial issues and legal problems in an accident attributed to your actions, especially if you don’t carry the proper type of Mexico insurance by Mexican Insurance Store.com. Make sure to secure the right Mexican auto insurance policy and avoid needlessly shelling out thousands of dollars!
Mexico insurance by Mexican Insurance Store.com includes free Roadside Assistance throughout Mexico at no additional charge for your peace of mind!
