Mexico's amicable trade relations with its neighbors and its abundance of beaches, historic districts, and other tourist sites make it an ideal place to visit, whether for business or pleasure. But if you plan to go to Mexico by car, it is vital for you to have Mexico auto insurance. It doesn't matter if you carry substantial liability coverage in the United States or Canada. That doesn't count for anything in Mexico. When you are in Mexico, you should always have liability coverage from Mexican insurers.
Mexican law requires you to have at least Civil Liability Insurance, which will cover you in the event that you are involved in an accident and injure other people, whether motorists or pedestrians, or if you cause damage to property. And new travelers to Mexico should take note of how seriously the law regards the issue of traffic accidents and auto insurance. If accidents as minor as fender-benders are regarded with utmost severity, then you can probably imagine how bad it would be to become involved in accident resulting in personal injuries, especially if you are the at-fault driver and you don't have Mexico auto insurance.
Even if you are not the at-fault driver in an accident, you can expect to be detained in a Mexican jail while the authorities flesh out the details of the incident and decide who is to blame for it. And if you were the one at fault, you'll still spend some time in jail while the police determine if you are financially capable of paying for any damage you may have caused (and if you're not, you may face criminal charges). That's not something you want to remember from a vacation to Mexico!
That's why it is vital to get Mexican auto insurance if Mexico is in your automobile travel itinerary. Short-term and long-term coverage is very affordable: a typical rate would be $30 for three days of Mexican liability coverage. And you can purchase Mexican auto insurance in the United States or in areas in the American-Mexican border.
You should always include Mexico auto insurance if you plan to visit Mexico by car, whether you decide to stay there a few days or a few months. Being prepared for an accident, whether it happens or not, is a wise investment and it will most likely enable you bring you a piece of mind and to enjoy your visit to Mexico even more.
Many people ask what's the big deal about purchasing auto insurance for Mexican trips. For starters, the policies of the United States and Canada do not apply in Mexico and in order to stay protected, a Mexican insurance policy is a must. If you should unfortunately become a victim of a car accident (even if you're not at fault), the Mexican police will not view you as insured if you lack a policy written, created, and placed on file with a Mexican insurance company.
If you plan to travel to Mexico by car, you can purchase a policy online that will be considered legal in Mexico. If you buy an ACE insurance policy or ING insurance policy, they afford some additional coverage. These policies include emergency medical assistance, legal assistance and roadside assistance, and ACE includes a car from a rental agency should yours becomes inoperable.
During the winter, people from Canada or the US may decide to spend a bit of time in the warm confines of Mexico. They might do this never knowing that the auto insurance they have in the US will not work in Mexico, facing jail or detention should they ever be involved in an auto accident.
Mexican full coverage insurance will cover damage to your car. When a vehicle is stolen, total theft coverage is given. Wreckages are covered. Even if you sustain damage during a fire, a bolt of lightning, or any other weather related occurrences (like earthquakes and hurricanes) - you are covered. Yet, if your car becomes damaged after a criminal attempts to steal your radio, or by vandalism, your insurance does not cover these types of damages unless you buy additional features.
Victims of car accidents in Mexico MUST report the incident to the appropriate authorities before returning home. If you fail to notify your insurer and submit an adjusters report, you run a serious risk of a denied claim as your insurance company is not required to pay the claim.
You should also know that auto accidents in Mexico are viewed as a felony. Mexican authorities have the right to impound your car and keep you in custody for as long as they desire. Therefore, driving in Mexico with legal assistance and bond coverage is highly recommended. With ACE Seguros and ING Seguros, a lawyer is hired through your insurance company to assist in any negotiations associated with your release from custody. They will also work to have your car released as well.
There are many different places to go online for your Mexican insurance coverage. Many travelers find that this is the best way to get insurance because doing so in person can be confusing and pricey. You don't now what you're actually buying until you need it-and that is really putting the cart before the horse. You can also buy Mexican insurance for rental cars at a discount, as long as the vehicle does not have Mexican license plates.
If you have an older car you may wish buy liability insurance, similar to that purchased in the US. Anybody over 21 years of age with a valid license can use the policy. Driver's license policies are an optoion as well because the coverage applies to multiple vehicles.
The laws in Mexico are quite different than the U. S. when it comes to insurance. In Mexico you are considered guilty until proven innocent. You can be detained and your vehicle can be impounded until you pay damages deemed to have been caused by you. If you are in a collision that damages your car, the ability to pay for damages you cause to others is considered above all else. Buy from experienced providers like mexicaninsurancestore.com. Just being in an accident in Mexico will be considered both parties fault until a judge makes a decision one way or another.
Both Grace Navas & Linden Gray are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Grace Navas has sinced written about articles on various topics from Auto Insurance, Debts Loans and Book Reviews. Ms.Grace Navas is an insurance agent and regular contributor to . Super-Value-Insurance.com helps consumers compare online insurance q. Grace Navas's top article generates over 2400 views. to your Favourites.
Linden Gray has sinced written about articles on various topics from Auto Insurance, Finances and Auto Insurance. Author Linden Gray is a 30 year insurance veteran who has been featured in many publications including RV Magazine, PE.com, Google, Yahoo, Digg & Buzzle. Visit his website:. Linden Gray's top article generates over 8100 views. to your Favourites.