If you are planning on visiting Mexico either for a short trip, or an extended stay, and you will be operating a means in this country; then you may want to consider investing in Mexican car insurance. There are different legal systems in place in Mexico, when compared to the United States; and some meaningful difference in insurance coverage’s that are offered for drivers. When buying a plan for an upcoming trip to Mexico, it is usually best to buy a short term policy online before entering the country; to avoid any possible issues.
Research Liability Differences- One of the major differences with car insurance in Mexico compared to the United States is the difference in liability issues between the two countries. According to the civil law in Mexico; there is no liability for any kind of emotional distress pain or experiencing for those who are in an automobile accident. This method that insurance claims only covers character damage and bodily injury; items that are determined strictly and easily based on their actual cash value. This is important information to know, should you ever be in an accident.
buy Separate Legal Aid Coverage- When inside Mexico, there is no liability coverage to pay for your legal defense, should you get in an accident and need 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, the country’s law requires your means to be held within the nation’s borders until all damages are paid off. With this in mind, make sure that your policy will cover the cost of bail, or add an 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 you buy your online policy; make sure you also buy a car permit.
Collect the Proper Paperwork First- When you go into into the country, you will legally need to have both Mexican car insurance and a car permit for Mexico, especially once outside the ‘border sector’ of the country. When driving in the country, the insurance claim, title holder and driver all must be owned by the same person. In order to acquire a permanent car permit, you will need your drivers license, registration, ID, major credit card and some kind of immigration form.
Consider Auto Insurance by Your Car Rental Company- Many travelers will decide to rent a car in Mexico after they have crossed the border. Your car rental company will likely be able to offer you high quality coverage. However, if you want to get liability coverage, you will have to get this separately from a licensed provider.
Learn the Difference in Deductibles- Deductibles in the United States are different than deductibles in Mexico. Typically with auto insurance in Mexico, there are two different types of deductibles. First there is the physical damage deductible, that is usually about 2% of the value of the means; with a a minimum of $500. There is also theft deductible that is usually 5% of the means’s value with a minimum of $1,000. With the differences in typically deductibles; it is important for drivers to be well informed of what their deductibles will cover.
Look for Medical Evacuation and Plane Tickets Home- If you are worried about a possible accident impacting your trip; consider adding medical evacuation coverage. This will pay for air or land ambulance sets. You can also add coverage to cover the cost of your plane tickets to the US or Canada, should an accident render you unable to leave.
means Repair- As a visitor to the country of Mexico, drivers will want to find out if they are allowed to repair their means in their home country, whether the US or Canada. Otherwise, those who are in accidents may have to get their repairs done in Mexico. Not all insurance companies offer this service, but some who specialize in travel insurance will have this option.
Auto policies differ from country to country; but as a responsible driver, it is always smart to know your coverage options. If you should find yourself in an accident, you can feel confident knowing that your Mexican auto insurance can help keep you covered. Your insurance policy may have a number that you can call,or you can call Mexico’s version of 911 (066) in case of an accident, for assistance.