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.
Seguros Obligatorios Automoviles Personales (Personal Automobile Mandatory Insurance)
Under Article 18 of Baja California Civil Code, anyone operating a vehicle in Baja California must carry personal auto insurance.
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
Liability insurance is the portion of insurance that covers damage you cause to a third party. If you are in an accident the authorities will determine who was at fault, and often times they will split fault between the parties. In any case, the portion you are responsible for is called Liability. This portion of damage you cause in a foreign country can only be covered under a posted bond or from a domestic insurance company in the country you are driving in. In this case, Mexico (hence, Mexican Insurance).
Driving to Mexico? Get Mexican Liability Insurance, y YA!
It is similarly the law if you travel into the United States with a Mexican Vehicle and a Mexican Drivers license. All states require insurance, and you can get a Northbound Insurance policy by clicking here.
Enforcement of Liability Insurance Law in Baja
In 2020 the Mexican federal government also enacted a mandatory insurance law so Baja is very progressive, way ahead of the game. There is not a lot of enforcement of the law as of yet. Which is evident in the statistics that show only 20% of Mexicans carry insurance in Mexico (as of 2019). So this isn’t well enforced yet, but that doesn’t give you an excuse as a U.S. citizen or Canadian citizen – you should now better.
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