The following questions present a Mexican auto insurance summary, including exclusions. For more information check the links within the summary, or along the right.
Is Mexican Auto Insurance really necessary?
Absolutely! Under Mexican regulations, foreign drivers are legally required to be held financially responsible for any damages caused to automobiles – as well as bodily harm.The only alternative to having Mexican auto insurance is obtaining a pre-arranged bond through a bank in Mexico, or having cash on-hand that is sufficient to cover potential liabilities (over $300,000 with death liability). Considering the risks of carrying this amount of money with you in Mexico, the most economical choice is to purchase a Mexican Auto Insurance policy.
Is off-roading covered through Mexican Auto Insurance?
The answer is no. However, there are numerous unpaved roads in Baja that are designated city roads. You will have coverage when driving on these. The technical data states that a dirt road must lead to an actual destination, as well as being shown on a map for you to be insured under Mexican Auto Insurance.
What do I do when I get in a car accident in Mexico?
First and foremost – report any accidents while you are still in Mexico (call 911) and make sure to obtain a police report – if you wait until you get back to the US, denial of your claim or a reduced payout is a high probability. Also, contact your insurance provider as soon as you are able. Do not sign any forms until you speak with the insurance company (especially a settlement agreement) as these have potential to void your policy.
How do I receive a quote from MexInsurance.com®?
You can easily obtain a quote for our Mexican Auto insurance policies online!
Can I cover a leased vehicle through MexInsurance.com®?
You will need to contact the leasing company/lienholder who holds the title to your vehicle. Then, obtain permission to drive the car into Mexico. Leasing companies have varying procedures for giving you permission to drive across the border with their vehicle – as well as stipulations on the type of verification you need before traveling.
Can I drive a car that doesn’t belong to me to Mexico?
If you plan on driving someone else’s vehicle to Mexico, you will need to obtain a notarized letter of consent. This is from the owner, explicitly stating that you have permission to drive the car to Mexico. Afterward, your Mexican auto policy will allow you to drive to Mexico. Also, add the registered owner as a driver on your policy, and make sure so select that driver as the registered owner on the form.
What does Mexican Auto Insurance not cover?
- Mexican drivers and vehicles with Mexico license plates (including Mexican rental cars)
- Autos involved in a race or doing off-road activities (including the beach). See the summary of Mexican insurance exclusions.
- Commercial automobiles
- Drivers found to be under the influence of alcohol or drugs. See the drinking and driving laws in Mexico.
- Theft of personal belongings. See personal property coverage in Mexico article.
- Vandalism and theft of vehicle parts (under most policies)
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