Frequently Asked Questions: Mexican Car Insurance

My insurance extends coverage within 50 miles of the border. Isn’t that all I need?

No. In Mexico as a tourist you are required to maintain at minimum 3rd Party Liability from a Mexican company. In fact, even domestic drivers in Mexico as of 2019 in all states are required to carry car insurance.

How much coverage is required by law?

Article 502 of the Mexican Labor Law (2012) states: “In case of death, the compensation due to persons shall be the amount equal to the amount of five thousand (5,000) days of The General Minimum Wage or the highest Professional Minimum Wage, plus funeral expenses.” So your next question, well how much is that? Only in Coahuila and Yucatan would that limit approach $500,000US. For most of Mexico $300,000 is sufficient. Just keep in mind, if you cause the death of a Mexican with your covered car, and the limits don’t cover the damages you may be on the hook for the balance personally. This is no different than in the U.S. Prior to 2012, before this clause existed it was common to see $25,000 liability policies.

I am driving a car that is registered to someone else. Can I purchase® on it?

Yes but your have some legwork to do. First, you have to add the driver to your account as an additional driver. If this driver is a corporation just enter the corporate name, and for date of birth and drivers license enter Tax ID and a future date for license expiration. Then you add the car, and when it asks for registered owner, select that person or company.
Remember, you also need to get a permission letter and it should be notarized, from the registered owner.
The exception is husband and wife, as long as you have proof of this.

Can a Mexican National drive my car? Will he/she be covered under the policy?

No and no. It’s not legal for a Mexican national to operate a foreign-registered car in Mexico. Because it’s not legal, it is a clear exclusion.

How do I reset my password?

Either through livechat, or the reset password link. Because we protect your data, if the automatic system won’t work for you just contact us

Is it safe to drive in Mexico?

Yes. Here are several articles that discuss driving in Mexico.

Who should I buy the insurance from?

You should buy from someone you trust. Sometimes that trust takes research. You should make sure the broker/agent has a valid license and that they specialize in Mexican Insurance. You should check the state-licensing department to make sure they are up-to-date and have all the required bonds, insurance, and continuing education. Make sure they have experience managing the business. Ask them what happens to your data, and if it’s handled with care (driver’s license, address, date of birth, etc.). In this industry, the insurance is only as good as the company and broker behind it. But if either of those two is not good – you might as well have nothing at all.

What do I do if I’m in an Accident?

This is one area where Mexican Insurance is the same as all other car insurance. You call the claims hotline immediately. Let them do their investigation and lead the triage. Every policy at®  will include a separate page titled “How to File a Claim”. You should keep that document with your Declaration Page. You can also access the public version of the document here: How to File a Claim in Mexico® – providing quality Mexico Insurance online since 2003.

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