Why Should You Buy Mexican Insurance?
- The Mexican authorities do not recognize or accept you current U.S. or Canadian Insurance policy. Liability Coverage is the minimum amount of Mexican Insurance you must carry.
- If you are involved in an accident your Mexican Vehicle Insurance policy will prevent you from spending less time dealing with Mexican authorities or even facing criminal action whether you are at fault or not.
- If your vehicle is damaged, lost or stolen your Mexican Insurance Policy will insure coverage. Your Mexican Insurance Policy also covers Road side assistance in the event of a breakdown.
U.S. driver's Licenses are Valid in Mexico
The Government of Mexico strictly regulates the entry of vehicles into Mexico. Mexican law requires that vehicles be driven by their owners, or that the owner be inside the vehicle, and that some form of Mexico Travel Assistance be in place whether you buy your Mexican insurance at the border or online. If you do not carry Mexican Insurance, the vehicle may be seized by Mexican customs and will not be returned under any circumstances. Mexican insurance is required for all vehicles, including rental vehicles.
U.S. Automobile Liability Insurance is Not Valid as Mexican Insurance
Most collision and comprehensive coverage issued by U.S. companies are not valid in Mexico. Travelers are encouraged to get Mexico Travel Assistance. Mexican Insurance is adequate for their needs in Mexico. A good rule of thumb is to buy a Mexican Insurance policy equivalent to that which is carried in the United States. Mexican Insurance is considered invalid in Mexico if the driver is found to be under the influence of alcohol or drugs.
If You Are Involved in an Automobile Accident
You will be taken into police custody until it can be determined who is liable and whether you have the ability to pay any penalty. If you do not have Mexican Insurance, you may be prevented from departing the country even if you require life-saving medical care, and you are almost certain to spend some time in jail until all parties are satisfied that responsibility has been assigned and adequate financial satisfaction received. If you do not have Mexican Insurance you may also face criminal charges if you injure another driver.
The Government of Mexico determines the Terms and Conditions of automobile insurance policies affording coverage for tourists in Mexico. These Insurance Policies differ in many ways from policies issued in The United States of America or Canada. In Mexico, being involved in car accident is considered a felony and in some cases the authorities can detain the driver as well as the vehicle. Even though the Legal Aid coverage is “optional” to buy, it is very important to have it included in your policy by paying the corresponding premium.