Is Duplicate Car Insurance Really Necessary?

Is Duplicate Car Insurance Really Necessary?

U.S./Canada Registration and Mexican Car Insurance

If you have to have Mexican Insurance when you drive in Mexico, why should you have to keep your domestic insurance? Mexico Insurance “mex-insurance” requires your vehicle to be “legal to operate” which means it has to have current registration. But your state won’t let you register without U.S. insurance! So it seems you’re forced to have duplicate insurance. Or does it?

Oh Canada!

In Canada, it’s simple. All you have to do is present to your Canadian broker the Mexican Insurance policy. He/she will refund your Canadian Auto Insurance for that term! That’s it. No duplicate insurance for Canadians.

Two Solutions to Avoid Duplicate Insurance for American tourists

Solution 1: Register Your Car in your Home State with Affidavit of Non-Operation

Most states will allow you to file an “Affidavit of Non-Operation.” If you read the fine print, it does NOT mean that you won’t drive your car. It simply states you will not operate on your state’s roads. As the California affidavit reads:

The above described vehicle is not being operated or parked on any California roadway so as to require evidence of financial responsibility. I understand that if the vehicle is operated or parked on a California roadway prior to complying with all applicable registration and financial responsibility (liability insurance) laws, I will be subject to citation.

–California DMV Affidavit for Non-Use

This allows you to keep your registration current, and avoid paying duplicate insurance in the U.S. Please pay attention to the timing of these forms. Some states require 60-75 days to process. With that said, give yourself plenty of time. If the registration expires, you’re going to have to go in person to renew.

California Registration Requires Insurance unless you file an Affidavit of Non-Operation

Arizona Forms

In Arizona, it’s called a “De-Insured Certificate” which notifies the Motor Vehicle Division that the car will no longer be on Arizona roads and no longer requires insurance in Arizona

Oregon – NO DICE

  • Oregon does not offer affidavit of Non-operation

New Mexico Forms

Texas

Solution 2: Find a State that Does Not Require Insurance and is Friendly to Non-Residents, ie: South Dakota

There are only two states that do not require insurance, Virginia and New Hampshire. Unfortunately, both states require local residency to register your car. In South Dakota a small county in the southern part of the State called Clay County will let you register as a non-resident without smog or insurance requirements. Apparently the State has taken down most of the information related to this process. You can call the Clay County DMV (Treasurer) here:

  • 605-677-7123
  • treasurer@claycountysd.org
Drinking and Driving Laws in Mexico

Drinking and Driving Laws in Mexico

It’s no secret that people visit Mexico to have a good time–and that good time, sometimes, involves alcohol. Cities like Tijuana, Rosarito Beach, Cabo San Lucas–these places draw vacationers from all over the world. There are lots of bars, clubs, and events where the alcohol flows quite freely. If you are driving to Mexico and… Continue Reading

Mexico

Mexico

This 30-second video of Mexico reveals a proud country with people committed to their family and God. Visiting Mexico as a tourist can be a rewarding and enriching experience. Whether you enjoy the land, the ocean, the food or culture, there is something for everyone in Mexico. Before driving to Mexico go online to purchase… Continue Reading

Mexico Travel Tips

Mexico Travel Tips

Mexico Travel Tips to Know for Enhancing Your Experience  A large, diverse country, Mexico provides international travelers with a thrilling and unique travel experience. This is especially true among American travelers, as it ranks among the top destinations in the region. There are many considerations travelers have in traveling to Mexico, including how to find… Continue Reading

Should I Buy Mexican Car Insurance at the Border?

Should I Buy Mexican Car Insurance at the Border?

Some people still prefer to buy cars, groceries, or clothing in person. Online shopping has its conveniences, but they still like to get out in the world to do their shopping. When it comes to Mexican car insurance, you can cross the border and visit an insurance agent to procure your policy, but how long… Continue Reading

Cash in Mexico

Cash in Mexico

Is it Safe to Carry Cash in Mexico? Many travelers are concerned about carrying a substantial amount of cash on them no matter where they’re traveling. Carrying too much cash can make them feel like a target. Even so, it’s helpful to carry a certain amount of cash on you when driving in Mexico. Although… Continue Reading

Mexican Free Zone

Mexican Free Zone

The Mexican Free Zone designed to attract tourists. Formerly the “hassle-free” or “liberated area” – officially it is called the “Free Trade Zone.” This zone is about 15-20 miles into Mexico all along the Mexican border. Its intention is to reduce government requirements (Mexican government requirements) for tourists visiting and spending money in the area.… Continue Reading

Mexico’s Roads: 5 Things You Could Encounter

Mexico’s Roads: 5 Things You Could Encounter

In many ways, driving in Mexico is a lot like driving on California or Arizona’s highways and byways. On the other hand, any time you drive in a foreign country, you can expect some differences. If you’re planning to drive into Mexico for a vacation or road trip, you should be prepared for what you… Continue Reading

Secure your Vehicle in Mexico

Secure your Vehicle in Mexico

No matter where you’re traveling, it’s important to stay safe–and if you plan to bring your car along, you should also take steps to keep it safe and secure. Just like in the U.S., vehicles are stolen every day in Mexico. In some areas, vandalism to autos is also a problem. The best course of… Continue Reading

The True Meaning of Labor Day

The True Meaning of Labor Day

Labor Day is a national holiday in the US that falls on the first Monday of every September. For most, the holiday marks the last day of summer where most go out with friends and family to a barbecue. With nothing to do specifically this holiday is much more relaxed than other holidays in the… Continue Reading

Mexican Insurance Laws 2019

Mexican Insurance Laws 2019

There is still a lot of confusion about what is required legally in Mexico when driving across the border (southbound). Mexican Car Insurance law on the books in Mexico regarding tourists. Here are the highlights: In 2019 All Cars are Required to Have Mexican Insurance in Mexico Under Mexican Federal Law – as of 2019… Continue Reading

Car Theft Claim in Mexico

Car Theft Claim in Mexico

Having your car stolen in your home town is a traumatic experience. One fraught with complicated paperwork, endless insurance claims and an enormous amount of hassle. Losing your vehicle to a thief while on vacation is even worse, ruining the travel plans you had worked so hard on all year long. Filing a Car Theft… Continue Reading

Hit and Run Mexico

Hit and Run Mexico

Being involved in a car crash is bad enough, but having the other driver flee the scene is even worse. Worst of all is being involved in a hit-and-run crash while on vacation in Mexico. Tips When you are involved in a hit-and-run crash in Mexico, the things you need to contend with are daunting.… Continue Reading

Driving: in Mexico vs the US

Driving: in Mexico vs the US

Driving through Mexico’s scenic countryside is a dream which thousands of American tourists partake in every year. Thanks to the government’s massive infrastructure expenditure, Mexican roads are now safer than they’ve ever been. American drivers need to keep a watch on differences in local driving habits and conditions to avoid making mistakes. Some key differences… Continue Reading

Simplified:  Mexican Insurance Coverage

Simplified: Mexican Insurance Coverage

Mexican Insurance is not simple. The truth is, domestic insurance is not simple so how can car insurance in a foreign country be easier to understand? Our goal with this article is to Simplify Mexican Insurance Coverage Listed below are the five Mexican insurance coverage basics. Every Mexican Car Insurance policy has some form of… Continue Reading

What to Know about Mexico Tourist Visa

Mexico tourist visa, known as FMM cards, are mandatory for foreign visitors to Mexico. Some travelers may be confused on this point as the laws have recently changed. Before, travelers who planned to remain in the border zone could visit for up to 72 hours without the need for an FMM card. Today, however, that,… Continue Reading

Understanding Mexico Vehicle Permits

Understanding Mexico Vehicle Permits  Travelers to Mexico must procure Mexican driving insurance in order to drive in the country of Mexico. If you plan to drive in certain areas–or beyond a certain distance from the border, travelers will also need a Mexican vehicle permit. This permit is from Banco Nacional del Ejército Fuerza Aérea y… Continue Reading