Mexico Insurance – Do I Need It?

You may ask yourself, ‘Do I need Mexico insurance?’ before you cross the border. You may think, my car’s only worth $5,000 … I think I’ll “chance” it… save a few dollars. Bad decision.

In Mexico they have what we call “Napoleonic Law” – Guilty until proven innocent. Yes, you read that correctly. Unlike in the U.S. where you are innocent until proven guilty … you are automatically sent to jail and your car is impounded in Mexico if you cannot prove financial responsibility for loss to someone’s car. By financial responsibility it is meant either cash on hand (not a good idea) or a written insurance policy from a Mexican insurance provider.

The message here, at the very least have Liability insurance. Your car may or not be covered by your own domestic insurance company (check with them before you go), but your insurance is not recognized in Mexico for damages to a another vehicle or its occupants. You must have Mexico insurance!

However, especially if your car is over $5000, you will want to get Complete coverage to protect you from collision losses or total theft of  your car.

It’s easier now than ever! No more stopping by a crowded, intimidating, confusing border stop. You can buy from your own home. Our website is – we have lower rates than most, and friendly customer service if you have trouble navigating the website on your first visit. There are also how-to videos that the President/Owner, Chuck Lundy, has provided, as well as email address: or phone: 858 663 6453

Summer is over, and many will head down to chase the waning warmth, others have sports or site-seeing on their minds … but the most important thing is to make sure your trip doesn’t end up with a visit to the jail because you thought you didn’t need Mexico insurance.

Either from Mexico Insurance Services, or somewhere else, do get your insurance! It’s not longer acceptable to cross even a few feet into Mexico without it. I know, I know… we always used to. Those were the days.

Take care, drive safely, and please visit our website:

En su servicio 🙂

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