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What Does Baja Auto Insurance Cover?

Not many people in the United States know this, but you need separate Baja auto insurance. Your American car insurance policy will not cover you when you are there. At the most, your U.S. insurance carrier can offer to cover damage to your own vehicle, theft of your vehicle. But the legal requirement in Baja addresses the damage that you cause in Baja. If you hit and harm a person or thing in Baja there is nothing your US insurance can do, except to help with damage to your own car. You need Baja Auto Insurance.

This is why it is crucial to purchase insurance before you drive into the country. Although you can buy it at the border, it is wise to purchase Baja auto insurance online before you actually begin your road trip.

Whether you are driving into Mexico on a fun road trip with friends or for a business meeting; make sure that you have complete Baja auto insurance to protect you in case of an accident.

What Does Baja Auto Insurance Cover?

Baja Insurance covers your liability in case you cause an accident. The law in Mexico requires you to have “proof of financial responsibility”. As of January 1, 2019, it is a federal law to maintain insurance in Mexico.

In most cases, the best way to meet the financial responsibility law is to buy liability car insurance. With liability insurance, you get coverage for:

  • Physical Injury. Bodily injuries to others, including legal fees and medical costs if a lawsuit or claim is  against you.
  • Property Damage. Repairs to other cars, fences or any other property you damage as a result of the accident you caused.

Liability auto insurance in Mexico works differently than insurance in the US. Rather than paying per accident and per person, you have to pay a lump sum in the Mexican liability limit.

If a driver causes an accident resulting in death, each state in Mexico can impose civil liability and criminal damage. Under Mexican law, this amount is the minimum wage in the state multiplied by 5,000. They also add funeral expenses to the damage award.

Due to potentially high levels of compensation under the law in Mexico, consider a minimum of $500,000 of liability insurance.

Depending on which states you are visiting, you may want to consider buying an even higher amount. Before you purchase Baja auto insurance, ask the insurance provider liability limits in Mexico per state.

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