What Car Insurance Covers in Mexico
Fri, 17 Sep 2021 23:33:28 -0700Mexico’s diversity is one of the biggest factors that keep millions of Americans visiting year after year. From coast to coast, Mexico offers culture, architecture, and nature in spades. Whether you’re looking to expand your cultural horizons or you’re a repeat traveler looking to take part in a favorite location, there is something for everyone. It’s because of the rich, vibrant, and unique vibe of the southern country of North America that many travelers choose to drive along coastal highways, through natural environments, or wind and weave your way from town to village. There are some things to know, however, if driving is in your travel plans.
You Need Mexican Auto Insurance
If you’re considering driving to and/or in Mexico, you will need Mexico car insurance. Even a minor vehicle accident in Mexico can land you in jail if you don’t have legally required Mexican car insurance. Additionally, your car can be impounded. Both of these situations can add up in legal fees and impound fees quickly. Mexican car insurance is well worth the investment, simply for peace of mind during your travels.
It’s easy to purchase Mexican car insurance online with some basic information and be on your way to Mexico for whatever reason! You just fill out a form, get a quote, and purchase your policy within a few minutes.
What Exactly Does Mexico Car Insurance Cover
Mexico car insurance covers a variety of vehicle types including: cars, trucks, vans, SUVs, motorhomes, and motorcycles. You can purchase policies for short-term visits or long-term visits, car rental insurance, and driver’s license only insurance. You can also purchase travel medical insurance for your time in Mexico.
Typically, Mexico car insurance covers a wide variety of situations, depending on the age of your vehicle. Vehicles that are 10 years old or new can be insured under a full coverage or liability coverage policy. Whereas, only liability coverage is only available for vehicles that are 20 years old or newer, and vehicles older than 20 years are not eligible for coverage at all.
Collision, fire, and total theft coverage provide the actual cash value of the vehicle according to the Kelley Blue Book estimate. Liability coverage includes bodily injury with a combined single limit of $250,000 and property damage up to $100,000. Uninsured motorist coverage covers up to $1,000 and medical expenses up to $25,000. Other coverage options include legal defense, bail bonds, and roadside assistance. Many Mexican can insurance companies offer additional services such as ambulance service, document replacement, emergency cash transfer, medical assistance, and more.
Important Tips for Driving in Mexico
Driving in an unfamiliar area can always come with difficulties, especially when in a foreign country. Knowing a few handy bits of information can help you keep from needing to file a claim with your insurance company. One of the most basic, but oft-forgotten rules of the road is to be aware of your surroundings. Understanding what the road signs mean as well as some of the customs goes a long way toward a better foreign driving experience.
Mexico has a lot of speed bumps and they aren’t always marked well. It is very important to keep an eye out for these because not only can they be uncomfortable, they can cause unneeded wear and tear on your vehicle. Typically, toll roads are going to be in better condition than other roads and emergency services will be more reliable. Stick to driving during the day, it is easier to see the unfamiliar roads and is safer than driving at night.
Thinking about driving in Mexico? Contact us today and get your quote!