What Mexican insurance documents do I need if I have an accident during my trip to Mexico?

Planning for your trip to Mexico is exciting, but you should always be prepared for the worst. This isn't a matter of thinking negatively but of being ready. There are certain documents that you need if you are involved in a car accident, and these should always be easily accessible in your vehicle.

These include:

  • Mexican insurance documents - your domestic car insurance policy won't be sufficient. Although some entities cover damage to your vehicle in the border zone, they don't address your liability for damages or injury to others. You must have legitimate Mexican auto insurance copies of your policy to show very quickly. Buy coverage before you cross the border, and carry an extra copy of your documents in your personal belongings.
  • Identification - a valid driver's license with a clear photo is required for your policy to be valid.
  • Automobile registration/title - carry these documents along with your Mexican auto insurance copies.
  • Written permission - if you drive a vehicle that doesn't belong to you, a note of written permission will be important for authorities investigating an accident. This includes your personal vehicle that is registered in your name with a title still held by a lien holder. If you are paying off your vehicle, you must have written permission to leave your country with the vehicle for travel in all Mexican states except for Baja.
  • Passport - prior to 2009, you could travel in and out of Mexico without necessarily obtaining a passport. However, you can't leave the country without your passport in this day and age. You need to carry your passport card or formal passport with you.
  • Credit card - it's advisable to have a valid major credit card in your name in case of any serious accidents or other incidents.
  • Permits - a vehicle permit is required if you plan to drive beyond the border zone in mainland Mexico. This isn't required for Baja, but you may need to secure a permit if you want to ferry from Baja to mainland.
  • Return affidavit - when you obtain your vehicle permit, you will also sign an affidavit of return, a promise that you will take your automobile back across the border. A deposit is often required when you sign the affidavit, and it will be refunded after your exit from Mexico.

Your Mexican insurance documents are one of of the most important papers to have with you on vacation, saving you a lot of time and frustration in the event of a collision.

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Laura BekenNovember

My boyfriend led a group of motorcycle riders on a 17-day trip through Mexico. I bought a Chubb Platinum policy for my BMW G310R from Mexican Insurance Store. During the trip, I crashed after hitting a pothole in a blind corner. I was uninjured mainly because of my Alpine Stars Tech Air Jacket which inflated like an airbag to keep me safe. The bike on the other hand had significant damage and was inoperable. I called CHUBB to file a claim and an adjuster met me to take photos of the bike and assist me in getting it operational. I indicated I wanted to get my bike repaired in the USA and they noted it. The bike was fully restored at Irv Seaver BMW in Orange County, California. Working with Chubb was professional and easy. I got the maximum payout in a couple of weeks. Whenever I need insurance for a Mexico trip, I'm always going to Mexican Insurance Store. Thanks!!!

Mary Kubischta April

Not only does Mexican Insurance Store have the best prices but they are honest and friendly with patience to explain your policy. I have been with them for three years. The price went down this third year. They could have easily said the cost was the same but were honest enough to say it went down. I have now clocked in over 100 horseback rides galloping on the beach in La Mission with Horses by Jose because I can confidently cross into Mexico with reliable insurance.

Joseph WilcoxsonAugust

I just purchased a policy! I had a couple of questions so I called and a real person answered!! They answered all of my questions and took the time to explain different coverages to me. The Customer Service was beyond my expectations!! Great Company and Excellent Customer Service!! They have definitely gained a loyal customer for life!!

leo gutierrez2 weeks

The BEST company to easily purchase Mexican insurance! They offer you some of the best rates and service. Linden and his staff are a pleasure to do business with.

Dominic BensonOctober

Shoutout MexicanInsuranceStore for the low prices and personal customer experience; Linden is always there to answer my questions!

MrSam BDecember

Thanks Linden for answering all my inquiries.. and giving us affordable quotations..

Bart Madge 8 days ago

I have used them for years.Totally trustworthy.Only takes a couple min to get insurance. Linden is great to deal with

Jim Foreman6 days

I'm delighted to give Mexican Insurance Store my highest rating. They are a brokerage for several top-rated insurers for Mexican Auto Insurance. I use them to insure my motorcycles and car when traveling south of the border with no effort. Recently, I needed to file a claim for a motorcycle tip-over in Mexico (I wasn't on the bike) and it was handled professionally and quickly. Much quicker than my US insurance. When looking for Mexican Car Insurance, this is the best and safest way to go!

Keith TelekiApril

Booking insurance for a trip to Mexico is so easy using their online tool. I wish they had an app so I could just click and buy a policy on the way to Mexico.

David KelleyJuly

Outstanding service! I have been purchasing my Mexican insurance from this company for years. Highly recommended!

Textbroker “Textbroker” MarketingNovember

Buying my policy was fast and easy. I didn't need to use my policy, but having it during a drive where we were stopped for an inspection kept my mind at ease.

Joel NegreteMay

Best online prices. Allows you to customize your insurance

kimberly sayaangJanuary

Great service!

kimberly sayaang1 week

Great service!

David HigginsSeptember

Well found out I didn't actually have to go there just did everything over really a pleasant experience

Rick GarrisOne week

Been using them for years. Great.

Frank Agresti12 days

Easy, reasonable.

Steve PowellFebruary

Easy and fast!

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Easy to purchase and affordable

Papa Aaron

Keep safe little cost, ya never know

Two Travelersa year

Great policy for Mexico!

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cheap insurance

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We continue delivering excellent quality service since 1979 because you deserve the best.