With a town population of just over 12,000 people, Bonita, California, is a mere 30-minute drive to the Mexican border. While many US drivers may not be aware of this, Mexican car insurance is mandatory when driving in Mexico. Driving without proper car insurance can result in a fine, car impound, and perhaps even jail time. Make sure you don’t put a damper on what could otherwise be a great vacation by failing to get Mexican car insurance.
Why Mexican Car Insurance?
Mexican car insurance is mandatory under Mexican law. The minimum amount of third-party liability coverage required is 100,000 USD. Of course, this is just the bare minimum. We recommend having somewhere between 300,000 to 1,000,000 USD worth of coverage when driving in Mexico.
What happens if you don’t have proper insurance? One of two things could happen:
- Fines: Fines can start from 150 USD and go up, depending on the officer who pulls you over.
- Jail time: Depending on the severity of the accident, if you cause injury or death to someone in Mexico, you’ll go to jail until you can pay or settle for the damages.
Remember, if you fatally hit someone while driving without car insurance, you may be personally liable to pay the penalty for the death. If the accident was ultimately is your fault, you could owe nearly 300,000 USD based on Mexican law. Save yourself the trouble and ensure you have Mexican car insurance before heading down south.
Where to Get Mexican Car Insurance?
If traveling from Bonita, you can get Mexican car insurance in two places. The first is close to the Tijuana border, just before you cross into Mexico. The second is through an American insurance company that offers Mexican car insurance.
Obtaining your car insurance last minute at the Tijuana border is not rideal. Tijuana is one of the busiest border crossings in the country. Rates will typically be higher, and you’ll rush to get your car insurance before crossing the busy border.
Alternatively, American insurance companies that broker or work directly with Mexican insurance companies can also provide you with the coverage required. The actual process itself is relatively similar to obtaining US car insurance. The insurance company will ask for details such as the type of car you’re driving down, how long you’ll be in the country for, and what kind of coverage you require, among other questions.
Driving down to Mexico from Bonita doesn’t have to be a stressful experience. With MexInsurance.com®, we provide you with the best rates and resources on Mexican car insurance – all from the comfort of your home computer. As an entirely online insurance company, we work directly with Qualitas, a leading Mexican insurance provider, to provide you with all the coverage options you need.
Although we are 100% online, we do provide telephone, email, or live chat support whenever you need it. Don’t go without car insurance in Mexico. Drive safe! Get your free quote today!