Auto accidents are considered both civil and criminal offenses in Mexico. Even if the accident is minor, you should be prepared to provide proper documentation to authorities, and you should report any insurance claims immediately. Failure to report a claim before leaving Mexico subjects the claim to denial by any Mexican Insurance Company.
Must Have Documents
A driving accident can become a costly and bureaucratic nightmare if you do not have the proper documentation. You should carry the following documents with you.
1. Mexican Auto Insurance Policy: You must have Mexican Auto Insurance issued by a company recognized by the Mexican government. In addition to the policy, you should have premium payment receipt, accident instructions, and contact information for your provider.
2. Valid Driver's License: The license should have your photo and match the name on the title or registration of your vehicle.
3. Vehicle Title or Registration Receipt: The title or registration should be up in your name or the insurance policy should identify the owner by name and the principal driver. Unregistered vehicles or vehicles with expired tags will have their vehicles confiscated.
4. Proof of Citizenship: Drivers License, Birth certificate, passport, or notarized proof of citizenship. (Must have passport in 2008)
5. Permission Letter From Bank or Lien Holder: If you do not own the title on the car, and you will be traveling beyond the border zone, (Approx. 70 miles from the border) you must have a letter of permission from the bank or lien holder for financed cars, rental cars, leased cars, or company cars (on company stationary).
6. Credit Card: A credit card, such as Visa, MasterCard, or American Express, in your name.
7. Vehicle Permit: If traveling beyond the border zone, you must obtain a temporary import permit, and display it on your windshield while in Mexico.
8. Affidavit of Vehicle Return to the United States: If traveling beyond the border areas, you must sign an affidavit promising to return your vehicle back to the United States, and pay a refundable deposit.
When An Accident Occurs
In an event of an accident be prepared to do the following:
1. Do not move your vehicle until Mexican police arrive.
2. Contact your medical emergency assistance provider if necessary.
3. Contact your insurance provider.
4. Remain with your vehicle until the Auto Insurance Adjuster arrives.
5. Complete the Accident Report.
6. Complete and sign a parts inventory form before having your car towed.
After The Accident
Following the accident, you will need to obtain the following documents for insurance claims:
1. Police Report: A Copy of the original report filed by the Mexican Authorities.
2. Medical Report: Your insurance company will provide a form that must be signed by a licensed physician who provided the medical services.
3. Medical Invoices: Any invoice issued by the hospital, physicians, and pharmacy.
Finally, allow your insurance company to manage issues related to the accident. Do not reach any verbal agreements or sign any written agreements with the other party. Most importantly, do not assume liability in the accident. Your insurance company will guide you through the claims process, and will inform you of any liabilities, if any, that you have incurred.
Choosing a car insurance provider is not like buying a sandwich or a new pair of shoes. Car insurance is a big commitment, a large expense, and potentially a major influence on your life. Choosing the wrong insurer or benefits package might cause you to pay far more than necessary, or even cost you thousands of dollars in the event of an accident.
First off, use every resource at hand when choosing an insurance provider. Ask your friends what company they use, but remember insurance premiums are highly individualized, and one company that gives someone you know a great deal might not do so for you.
There are dozens of popular internet sites devoted to car insurance advice. Do your research. See what the best options are for you, and follow up on them. Other websites will generate quotes for you from multiple insurers. Using these sites is a great way to see how different companies compare. You'll save a great deal of money by taking your time and finding the insurance company that offers you the most affordable package.
Almost every reputable company has a toll-free number you can call where you can talk to a representative. Don't be shy about using these numbers. If you have a question, call and ask. Any company that is worth considering should take the time to help you find out what you need to know. Plus, talking with a representative will give you a taste of how well a particular company treats their customers.
Once you find an insurance provider that offers you a reasonable rate, be sure the company is reputable and the insurance package you are considering is worthwhile. Do a quick internet search and find out what people are saying about the company. Are you finding lots of negative comments? Are they treating their customers unfairly? Be sure the company of your choice has a good reputation. One company might seem like the best option because of its low price, but if they have poor customer service or have a policy of refusing claims, you may not be happy in the long run.
Another important thing to consider when choosing a car insurance provider is what type of insurance you want. Different companies cater to different needs. Some serve people after a bargain. Others serve more demanding customers who are willing to spend more.
Know what your needs are. Are you driving an aging economy car? Then you might not want a full coverage package that costs a lot of money. Consider buying liability-only insurance from a low-cost insurer. Are you driving a brand-new luxury automobile? Then find an upscale insurer that will give you top-to-bottom comprehensive coverage.
Remember, nearly all provinces in Canada legally require drivers to have some form of auto insurance. Insurance is not to be taken lightly. Ignoring it altogether can cause you to get your car impounded, lose your driver's license or even be thrown in jail.
Taking the time to buy car insurance from a reputable, quality insurance company can potentially save you thousands of dollars and lots of legal trouble.
Both Linden Gray & Amy Nutt 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.
Linden Gray has sinced written about articles on various topics from Auto Insurance, Finances and Auto Insurance. Linden Gray, owner of Mexican Insurance Store.com is an international insurance veteran with over 29 years of wholesale, retail, and direct insurance experience. Mr. Gray has been featured in numerous offline & online publications including RV Magazine, T. Linden Gray's top article generates over 8100 views. to your Favourites.
Amy Nutt has sinced written about articles on various topics from Culture and Society, Recreation and Sports and Women. There is a lot of choice when it comes to picking an provider. The biggest decision to be made is whether or not to purchase insurance directly from an a. Amy Nutt's top article generates over 368000 views. to your Favourites.