If you are planning to visit Mexico either for a short trip, or for an extended stay، and will use a vehicle in this country، then you may want to consider investing in Mexican car insurance. There are different legal systems in Mexico when compared to the United States، and some important differences in the insurance coverage offered to drivers. When shopping for a plan for an upcoming trip to Mexico، it’s usually best to purchase a short term policy online before entering the country، to avoid any possible problems.
Research Liability Differences One of the main differences with car insurance in Mexico compared to the United States is the difference in liability issues between the two countries. According to civil law in Mexico، has no liability for any kind of pain or suffering of emotional distress to those who are in a car accident.
This means that insurance claims only cover property damage and bodily injury، items that are strictly and easily determined based on their actual cash value. This is important information to know if you are ever in an accident.
Buy Special Legal Aid Coverage When you are inside Mexico، there is no liability coverage to pay for your legal defense if you are in an accident and have to go to court. Typically، there is an option to add legal aid coverage to your policy.
Be aware of Mexican accident laws When deciding whether or not to get Mexican car insurance، remember، if you are in an accident, country law requires that your vehicle be kept within the country’s borders until all damages are paid. With this in mind, make sure your policy will cover the cost of the bail, or add additional coverage first.
Buy a short term policy online. Don’t wait to buy auto insurance until you arrive in Mexico، you can buy short-term travel policies online before your trip. While purchasing your policy online; make sure you also buy a car permit.
Collect the right documents first- When you enter the country، you will legally need to have Mexican car insurance and a driving permit for Mexico, especially when you are outside the “border sector” of the country. When driving in the country, the insurance claim, the holder and the driver must be owned by the same person. To get a temporary car permit، you’ll need a driver’s license، registration، ID، major credit card, and some kind of immigration form.
Consider car insurance through your rental car company Many travelers will decide to rent a car in Mexico after crossing the border. Your rental car company will likely be able to provide you with high-quality coverage. However، if you want to get liability coverage, you will need to get this separately from a licensed provider.
Learn the difference in discounts Discounts in the United States are different than discounts in Mexico. Typically with auto insurance in Mexico, there are two different types of discounts. First is the physical damage deduction, which is usually around 3% of the vehicle’s value; with a minimum of $510. There is also a theft discount that is usually 6% of the vehicle’s value with a minimum of $1,100. With the differences in typical deductions; it is important that drivers are well informed about what their deductibles will cover.
Request medical evacuation and plane tickets home If you are concerned about a possible accident that will affect your tri،; consider adding medical evacuation coverage. This will pay for air or ground ambulance services. You can also add coverage to cover the cost of your plane tickets to the US or Canada if an accident makes you unable to leave.
Vehicle Repair- As a visitor to the country of Mexico, drivers will want to find out if they are allowed to repair their vehicle in their home country, whether in the US or Canada. Otherwise، those in accidents may have to get their repairs done in Mexico. Not all insurance companies offer this service, but some that specialize in travel insurance will have this option.
Automobile policies vary from country to country، but as a responsible driver، it’s always smart to know your coverage options. If you find yourself in an accident، you can feel safe knowing that your Mexican auto insurance can help keep you covered. Your insurance policy may have a number you can call, or you can call Mexico’s version of 911 “066” in the event of an accident for help.