Car Insurance for Mexico

2007-03-08 10:33:40

( Insurance )



Why You Need to Buy Mexican Insurance

If you plan to drive while traveling in Mexico, you need to review your U.S. auto insurance policy terms and conditions to make sure that it will cover for any accident you may encounter in Mexico. Chances are, your U.S. auto insurance may not be sufficient or may have a validity limited to only a few days.

Traffic laws and policies differ between the United States and Mexico, so some terms of your current insurance may not be applicable or recognized under Mexican laws.

So before you even leave for Mexico, you should buy auto insurance for Mexico that can cover for your car during your travel and stay.

Where to Buy Insurance for Mexico

You can easily buy Mexican insurance coverage from the car rental company if you're using their vehicle for your trip. You pay for this insurance coverage in addition to your car rental charge. The amount of premium that you pay for insurance in Mexico will depend on your length of stay as well as type of insurance coverage.

There are also a number of online sites that can sell you the insurance for Mexico. You can get a quick quote if you can supply more detailed information such as the car you will be driving and your estimated length of stay.

Mexican Insurance Coverage and Filing of Claims

The Mexican insurance you buy online typically covers up to an amount limit for collision, theft, fire, property damage, bodily injury and medical expenses. However, most Mexican auto policies do not cover pilferage, minor damage, acts of vandalism, incidental lodging and toll calls. Mexican insurance also does not cover driving under influence of alcohol, and towing unless specifically mentioned in the policy.

In case of any untoward incidents, you must file a claim as soon as you can, while you are still in Mexico. Failure to do this could cause the Mexican insurance company to deny your claim.

Aside from filing your claim with the insurance company, you also need to report lost or stolen vehicles directly to the Mexican authorities.


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