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Mexico Auto Insurance

 

Mexico Auto InsuranceYour insurance should cover you if you drive anywhere in the United States and Canada. Your policy won't cover you in Mexico because Mexico doesn't recognize U.S. auto liability policies.

Mexican authorities may hold drivers criminally and financially responsible for any auto accidents they cause. If you're in an accident that results in an injury, police may keep you until they decide who is at fault. You will be asked to show that you have insurance the Mexican government will accept or prove that you can pay any judgment against you.

 

4 Things You Need to Know About Driving in Mexico

1. U.S. auto insurance policies, on the whole, do not offer complete legal coverage in Mexico, no matter how comprehensive your policy. Even if your U.S. policy extends coverage for driving in Mexico, you need to check the fine print (or call your agent for an explanation). Many policies have mileage stipulations that restrict how far into the country you can travel, so speak with your insurance agent or seek Mexico insurance coverage before your trip. Some U.S.-based companies, like Allstate, will offer limited comprehensive and collision coverage for things like damage or theft, but to drive legally, you’ll need to purchase an auto insurance policy from an authorized Mexican insurance company.

2. A Mexico insurance policy is very similar to U.S. auto insurance in that you can purchase varying levels of coverage to suit your needs and better protect yourself in the event of an crash, theft, or other damage. You can also increase your limit of liability and medical coverage and add comprehensive and collision coverage to suit your needs.

 

 

3. If you’re planning to rent a vehicle in Mexico, plan for your insurance needs before you leave the U.S. “You could find yourself in a situation where the rental company only offers physical damage coverage without liability,” explained Neil Richardson, The Zebra’s resident insurance expert. “If that happens then you’re stuck trying to find legal coverage for the vehicle before you leave the lot, and that could prove difficult if you don’t speak Spanish.” Neil suggests contacting your insurance agent to iron out your rental insurance coverage before you make the trip south of the border. And just like they do in the U.S., many credit card companies offer Mexico insurance for rental cars as well.

4. A Mexican insurance policy is required for all drivers, even if you’re operating a rental vehicle. The U.S. State Department recommends U.S. drivers carry Mexican liability insurance because, while Mexican law doesn’t require it in all parts of the country, in the event of a collision, you could be detained or even arrested until you can prove that you can pay for any damages for which you are responsible.

 
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