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Mexican Auto Insurance Tucson

Thu, 14 Feb 2019 15:50:33 +0000

If you’re in Tucson and you need Mexican Auto Insurance read further.

Despite widespread belief to the contrary, having insurance for your automobile is mandatory under Mexican law. As of January 2019, Mexico instituted a new regulation requiring all vehicles driving on federal highways to have, at minimum, third-party liability insurance coverage.  An accident means facing a local judge who determines fault.  Although many believe that Mexican Auto Insurance is unnecessary, this is an incorrect (and potentially dangerous) assumption.

Tucson Mexican Auto Insurance with MexInsurance.com®.

Get Mexican Car Insurance to Stay Legal

Under Mexico’s laws, auto liability insurance must be provided by a verified (i.e. registered under the Mexican Department of Insurance) Mexican insurance company – there are no US insurance providers in the US that meet this requirement. (The one caveat is for RV insurance – as some RV insurers provide ‘Mexico Physical Damage’ endorsements).

Mexican regulatory authorities most likely would not recognize names such as Allstate, Geico, or Progressive (similar to how those in the US don’t recognize Mexican auto insurers such as El Aguila, Chubb, Qualitas, or Grupo Nacional Provincial).

When you take a closer look at your US auto policy, you will probably see the following covered policy regions:

  1. The United State of America, its territories and possessions;
  2. Puerto Rico
  3. Canada

This explicitly states that anywhere outside of the US, Canada, and Puerto Rico are not under your auto policy. US policies exclude coverage for anywhere outside the US, Puerto Rico, or Canada.

Sometimes, policies have an addendum that covers driving in Mexico, but the US coverage will apply to damage and/or theft to YOUR vehicle. That US policy does nothing for the damage you cause to a third-party person or property in Mexico.

“Auto Accidents in Mexico are subject to the Laws of Mexico, not the laws of the United States. Under Mexican Law, automobile accidents are considered a criminal offense and a Civil matter. The coverage we offer you under this endorsement does not meet Mexican Auto insurance requirements; you are legally obligated to purchase liability insurance through a licensed Mexican insurance provider for this to apply.”

This endorsement usually limits coverage outside the US border to 25 miles – meaning that a few hundred feet could be the difference between coverage and no coverage.

Mexican Auto Insurance Tucscon – with MexInsurance.com®.

Mexican Auto Insurance – Tucson

Stay Out of Jail With a Mexican Auto Insurance Policy

Whoever is responsible for causing an accident in Mexico will be held until they pay. In many instances, this could mean spending time in a Mexican jail cell.

The takeaway here is that failing to purchase Mexican car insurance can equate to a huge fine or at worst – a jail sentence. Perhaps this reality is why Mexican Auto Insurance is the ‘get out of jail free card’ by frequenters to the country.

Here are some helpful links before you leave Tucson for Mexico

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