Liability insurance was once recommended in Baja California, Mexico – now it is the law! All drivers, Mexicans included, MUST have Liability insurance for their vehicles. As of January 1, 2012.
OBLIGATORY INSURANCE FOR PERSONAL ACCIDENTS (SOAP)*
Presentar seguro de responsabilidad civil vigente que ampare los conceptos y el monto señalado en el artículo 18 BIS de este ordenamiento: To present current liability insurance that covers the concepts and the amount specified in Article 18 A of this ordinance
Naturally, for those traveling (especially to Mexico) we hope you never need to use your insurance! We hope you all have no fender-benders, no crashes, no flat tires, no car thefts, no broken windshields, and no need for legal aid or bail money! But get the insurance just in case! Liability is the minimum that covers damages you may cause to another vehicles; complete coverage will cover your auto for collision and total theft, as well as liability. One is required now, the other is recommended for vehicles of higher dollar value.
If you take your tourist auto into Mexico, get insurance here: www.MexInsurance.com
If you are Mexican and need insurance for your Mexican-plated vehicle: Quálitas Compañía de Seguros, S.A.B. de C.V.
Enforcement of Liability Insurance Law in Baja
It is a very new law. There wasn’t preparation before it was enacted. They are still trying to figure out how to implement and enforce; so in the meantime, as before, it is best to cover your own assets and make sure you have your liability and coverage for your own vehicle. For now, the law doesn’t much affect our business or your M.O. for driving into Mexico: 1) buy insurance 2) gas up 3) bring a cell phone with international calling service 4) etc.
Whether you are vacationing, working, or living there, we wish you safe travels, and a very HAPPY NEW YEAR!