Many people in the United States do not know that they need Mexican auto insurance if they are going to drive in Mexico.
They believe that their US car insurance policy will cover them while in the country, but this is wrong.
You need Mexican auto insurance to legally drive in the country. Because the law in Mexico requires you to have this type of insurance, you could end up being arrested and detained in a jail by the local authorities until the matter is resolved if you do not have it.
Whether you are driving your own car or a rental one, you should make sure to purchase a Mexico insurance policy before you begin your journey to our neighbor to the south.
Why You Need Mexican Auto Insurance
The traffic laws in Mexico are very similar to the ones in the US. What accounts for the differences and the need for Mexican auto insurance is the application of their laws.
Mexican law is based on the Napoleonic Code, which means that guilt prevails over the assumption of innocence.
Based on the English Common Law, innocence prevails over the assumption of guilt in US law. Mexico now has mandatory requirements for auto insurance.
The basic difference between the financial responsibility law in Mexico and the US is that anyone who gets into an accident in Mexico is required to have the means to respond to injuries or damages for which they may be responsible – this could be either in the form of a Mexican car insurance policy or cash.
Find Out If Your US Auto Insurance Covers You in Mexico
You should inquire if your US car insurance will cover any damage to your vehicle while you are in Mexico.
If so, find out if your policy has restrictions or limitations. Like number of days in the country or miles from the border.
Once you familiarize yourself with the US car insurance policy, you have and the extent of its coverage south of the border, you can proceed to make a more informed decision towards your need for Mexican auto insurance.
Keep in mind that whether or not your US car insurance policy covers you for damage to your vehicle in Mexico, you should make sure to purchase the liability coverage on a Mexico insurance policy.
Buy Your Mexican Car Insurance Online
When you need to buy Mexican auto insurance online, you should choose Mexico Insurance Services, Inc. Get the coverage you need to drive in Mexico with ease. Visit www.mexinsurance.com for more information.