What to Do in an Accident in Mexico

Knowing what to do after a car accident in Mexico can save you stress, time, and money. With the right full coverage policy from Mexican Insurance Store®, you’ll have bilingual adjusters and roadside help available anywhere in the country.

Immediate Steps After a Collision

1. Stay calm and safe. Move yourself and passengers to a safe location if possible. Turn on hazard lights.

2. Call for help. If there are injuries, dial 911 (works in most of Mexico). Always call your insurer right away—never try to handle it privately.

3. Wait for the adjuster. Unlike the U.S., you must wait for an insurance adjuster before moving vehicles or settling damages. With carriers like CHUBB, adjusters usually arrive quickly and handle the official report.

What Your Insurance Covers

If you have only liability-only coverage, your policy pays for damages you cause to others but not your own vehicle. With full coverage, you’re protected for theft, collision, vandalism, roadside assistance, and medical payments.

Learn more about HDI and MAPFRE programs for alternative options to CHUBB.

Documentation Required

• Your Mexican insurance policy (digital or printed)
• Your driver’s license and passport
• Vehicle registration
• Any photos or witness statements if possible

Bilingual documentation is provided by our insurers. Spanish is the legal version, but you’ll also get English copies for clarity.

Common Scenarios

Highway Accident in Baja California

A driver rear-ends you near Ensenada. With a CHUBB policy, a bilingual adjuster arrives, verifies coverage, and starts the claim. You’re not left guessing.

Vehicle Theft in Guadalajara

Your SUV is stolen overnight. Instead of a low settlement using Mexican valuation guides like Libro Azul, our policies use U.S. Kelley Blue Book or Canadian Black Book values—protecting you from a 30–40% undervaluation.

Roadside Breakdown in Sonora

A blowout leaves you stranded between Nogales and Hermosillo. With nationwide roadside assistance, a tow is dispatched promptly and you’re back on the road without surprise costs.

Why Insurance Choice Matters

Not all Mexican insurers are equal. Some cut corners or undervalue vehicles. At Mexican Insurance Store®, we only work with A+ rated companies like CHUBB, HDI, and MAPFRE, ensuring fair claims handling and dependable service.

See why many travelers trust us in our customer reviews.

Final Word: Be Prepared Before You Cross

Don’t wait until an accident happens to realize you’re underinsured. With Mexican Insurance Store, you can compare Mexican auto insurance quotes online, buy in minutes, and drive with peace of mind.

👉 See rates and coverage compared instantly

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