Considering how beautiful the city of Mexico is, sooner or later, you’ll want to hit the road to Mexico. Be it for a weekend’s visit to a close friend, or a long break with the family, you absolutely can’t enjoy the city without an automobile.
However, before you even think of driving your U.S. or Canadian registered vehicle into Mexico, let yourself know that the Mexican road rules are different than your home country rules. Not knowing the variations might cost you a fortune when proper measures are not available. On that note, to your relief, also know that there is a very simple and cheap solution to all of the problems that might just come in your way to Mexico: a Mexican Car Insurance.
Although it is not mandatory to have auto liability insurance in Mexico, except in the state of Baja (Norte), it is an absolute necessity to secure both you and your vehicle in case of any unfortunate event that may occur. You can buy yourself a Mexican Car Insurance per day, per month, 6-months, or even a year, as per your needs.
Either way, no matter how cheap and easily the insurance is available for purchase, it is suggested to learn a few basics about the policy before making the actual purchase. The following is list of things that will help first timers understand the policy better to make the right purchase choices all within this page.
Why do you need a Mexican Insurance while driving in Mexico?
Because, in Mexico, motor accidents are a penal offense and guilt prevails over the presumption of innocence. Also, the Mexican Authorities do not recognize U.S. or Canadian insurances, meaning that in case you do not have a Mexican Insurance, it’ll be hard to cover the expense of damages and you might even be detained or refrained from leaving the country before settlement.
What a Mexican insurance policy can help you cover?
Unlike in the U.S. and Canada, Mexican Insurance Policy is a Named Peril Policy, meaning that it covers only what it states it does, which are:
- Collision, Glass Breakage, and Upset
- Property Damage Liability
- Fire and Total Theft
- Medical Expenses
- Bodily Injury Liability
As an added bonus, Legal Service and Bail Bond are covered as well.
What to do when you’ve purchased inadequate number of days of insurance?
Either renew your policy from the very day and hour your policy expires, making sure there is no time gap in between, or buy a completely new policy for the entire adequate period of coverage.
Should you include the names of every conceivable driver on the policy?
It is not mandatory to name every conceivable driver, however, it is advised to name the registered owner and a primary owner, or someone who is with the vehicle at all times, in the absence of the registered owner.
Will it be okay for you to buy the insurance after arriving in Mexico?
There is no rule regarding where the insurance must be purchased, but considering that in order to buy insurance in Mexico you have to drive in Mexico without one, and that it can easily be bought within minutes via the internet, it is advised to buy it before arriving in Mexico.
In case of an accident, will you go to jail?
The Mexican Car Insurance will help you reduce the red tapes of an accident to the maximum possible extent. However, in case of major accidents involving injuries and fatalities, it is up to the Mexican authorities to decide who is responsible. Until investigation is complete and settlement is made, all drivers are detained and might be prevented from leaving the country, regardless of insurance or citizenship.
Will your claims be paid in dollars?
Yes, for your convenience, all claims will be settled in U.S. dollars from the claims offices in Mexico at the conclusion of the policy.
The above mentioned points pretty much sum up all you need to know to make a purchase of a Mexican Car Insurance. However, knowing a little more doesn’t hurt. There are a few policies you should consider knowing before buying the insurance like under what conditions the policy is valid, what needs to done in order to make claims and policy regarding contracts with other companies.
Now that you know what to do before driving off to Mexico, get your Mexican Insurance and get going! Adiós!