Why do I need Mexican Insurance?
Mexico has traffic laws very similar to the United States . Mexico 's law is what makes the differences, and the reasons for needing Mexican insurance. The law in Mexico is based on the Napoleonic Code where guilt prevails over the assumption of innocence. In the U.S. , the law is based on the English Common Law where innocence prevails over the assumption of guilt. Mexico does not have compulsory automobile insurance. The basic difference between Mexico's and United States financial responsibility law is that anyone involved in an accident in Mexico must have the means to respond to damages or injuries for which they may be responsible....which in Mexico would be in the form of either cash or a Mexican insurance policy.
Does my US insurance cover me in Mexico?
No! Mexican authorities only recognize auto insurance written through Mexican insurance companies. More information on why you need Mexican auto insurance.
But my US insurance says I have Mexico coverage?
Not exactly. Most US insurance do not provide any type of Mexico coverage at all however some US companies cover the following: Physical Damage & Theft within 25 miles of the border. Only if you stay within 25 miles of the border, your US insurance may pay for damages to your vehicle or if your vehicle is stolen. Your US insurance will not provide any type of Mexican liability coverage which is required by the Mexican authorities. This is probably the greatest source of confusion about auto insurance in Mexico !
What do I do in the event of an accident or theft of my vehicle?
All of the Mexican insurance companies we represent have 24/7 toll-free claims phone numbers for you to call in the event of a claim. YOU MUST REPORT YOUR CLAIM WHILE IN MEXICO, or your claim could be denied. Please read more about specific claims instructions on our claims page.
Can I buy Mexico insurance on a rental car?
Yes if the vehicle has United States plates and No if the vehicle is plated in Mexico .
Is there any Mexico insurance coverage if someone else is driving a car registered in my name?
Anyone with permission and with a valid drivers license (Mexican driver's license is excluded) may drive the car. Anyone that is a Mexican National will not be covered.
Will the claims people speak English?
All of the phone operators who take the claims calls are bi-lingual. The Mexican insurance companies make every effort to have English speaking claims adjusters dispatched out to meet with you. In all of areas frequented by tourists, nearly all of the claims adjusters are bi-lingual.
Do I need insurance if I am only going to Mexico for a few hours?
Yes, the same rules apply. Our insurance allows you to purchase your Mexico insurance in 24 hour segments.
Can I add days to my policy if I plan to stay a few more days?
We can easily renew your policy for the extra days you plan to stay in Mexico . This is a quick easy process that you can do online through your account, or you can contact our office. Before you leave on your trip, we always recommend purchasing an extra day or two of insurance if you think you might stay longer - then you do not have to worry about adding days while you are in Mexico !
Can people with a Mexico drivers license be covered by this insurance?
No. This Mexican 'tourist' auto insurance only covers drivers with valid US or Canadian drivers licenses. If you have both a Mexican and a valid US/Canadian drivers license, this is OK. If the driver does not have a valid US or Canadian drivers license, the claim will be denied. (If you have a license from a country other than the US or Canada , please contact our office. Our insurance does cover European and other NOn-Mexican drivers licenses).
Will this insurance cover a vehicle with Mexican license plates?
No. This Mexican 'tourist' auto insurance only covers US or Canadian registered vehicles. If you plan to import your vehicle into Mexico (get Mexico license plates), please contact our office because our 'tourist' policies do not cover vehicles with Mexican plates. However, we do have some 'domestic' auto insurance options for you. Contact us for details.