Are Mexico’s beaches calling you? Are you thinking about taking a Mexican Road Trip to fun Baja destinations like San Felipe or Ensenada? Before you cross the border be sure to apply for Mexico car insurance while you’re still in the states. You need Mexican auto insurance to drive legally across the border; U.S. policies will not be recognized by Mexican authorities. See below for more details and similarities between the US Insurance policy and a Mexican Insurance policy.
Risk 1: Vehicle Collision Coverage
Accidents can happen anywhere–even when you’re having a great time in Mexico. Whether you have a minor collision or major wreck, your policy should have collision protection. If you drive in Mexico without collision protection, you’re taking a big risk. Mexican authorities will expect you to have Mexico auto insurance or proof that you can pay for all repairs. Collision is an important element to be included with your premium for Mexican car insurance. It’s also important to remember that more than half of Mexican citizens do NOT carry insurance so if you are in an accident with someone who has no insurance, you need protection. Fortunately, Mexico is a “no-fault” country as far as insurance goes. Your complete coverage insurance policy will cover damages to your car regardless of fault, per the terms and conditions. Just make sure you get Complete Coverage!
Risk 2: Total Theft
A complete coverage policy will also include total theft. Car thefts in Mexico vary depending on location. Risk 2 “Total Theft” is an included insurance coverage on a Complete coverage policy.
Risk 3: 3rd Party Liability
Liability is an essential aspect of any auto insurance policy. We provide drivers with 3rd party liability up to $1,000,000 USD. Our minimum is $150,000 USD. Keep in mind that if you don’t have enough coverage, you’ll need to pay the difference yourself. The more liability you have, the more protection you have too. The death benefit to the family of a deceased Mexican citizen is based on the labor rate. So, in states like Yucatan, you might expect up to $500,000 in damages if you cause the death of a citizen. Across the country, $300,000 is a safe amount but ultimately this level of coverage is up to you.
Risk 4: Medical Payments Coverage
When you get a Mexican auto insurance policy from us, you’ll have medical coverage included. We can help you decide how much to carry if you’re unsure. Our medical coverage includes medical payments for you and passengers in your vehicle. We provide standard coverage as well as upgrades should you opt for an increase.
Risk 5: Legal and Roadside Assistance
Consider adding roadside assistance to your Mexican auto insurance coverage. While you’re on an open stretch of road, you’ll be grateful for this added protection. Also, with the roadside assistance, you can call from the road when you need a tow truck and ride. Talk to us about this important policy option. All Mexican Car Insurance Policies from MexInsurance.com include Roadside Assistance
So, if you wait to get your Mexican auto insurance for your Mexican Road Trip, you’ll pay a lot more than if you apply online from the U.S. We can answer all your questions and address any concerns you might have about your auto insurance policy. Start with a quote by clicking here!.