Mexican Auto Insurance
If you’re heading to Mexico and plan to drive—whether it’s your own car or a rental—it’s essential to purchase a Mexican auto insurance policy. Many Americans are not aware that in Mexico, drivers can be held both criminally responsible and financially liable for the accidents they cause.
The trusted insurance advisors at Raymond Longoria Insurance, in Mission, Texas, can help you find a Mexican auto policy that provides the protection you need for your upcoming travels. Give us a call today to learn more or to get a quote.
What Is Covered Under Mexican Auto Insurance?
If you have a claim, most Mexican auto insurance policies include the following coverage:
· Physical damage and theft coverage
· Third-party liability coverage (damages you cause to others)
· Medical payments for you and your passengers
· Legal assistance
· Road assistance and travel assistance
It’s important to note that coverage can be voided if an accident happens while under the influence of alcohol or drugs.
Will My Current Policy Not Work in Mexico?
You may be used to relying on your U.S. auto policy for coverage, even if you travel to another state and rent a car. While your U.S. policy may provide ample coverage in the States, it will likely not be accepted in Mexico. Drivers who have accidents must either have liability insurance recognized by the Mexican government or be able to prove they have enough money to pay any claims against them.
Under Mexican law, an automobile accident is both a civil and criminal offense, and authorities presume guilt until proven innocent. A Mexican insurance policy can help you avoid potential hassles because the authorities recognize it as a guarantee of proper payment for damages according to the terms of the policy.
Can I Add an Endorsement to My Current Policy?
There are a variety of auto policy add-ons—called endorsements—that may be available to extend your auto policy coverage into Mexico. Some policies offer a free endorsement extending a policy’s coverage to infrequent trips of up to 10 days and as far as 25 miles into Mexico. Even so, if you have an accident, only a Mexican automobile liability policy is acceptable by the Mexican authorities as evidence of financial responsibility.
How Can I Get Started?
If you need a Mexican auto insurance policy, give the team at Raymond Longoria Insurance a call today. Together, we’ll go through what policy options may be available to you to ensure that you’re adequately protected on your trip south of the border.