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How To Protect Yourself And Drive Legally With Mexico Insurance

Jan 15, 2008
Why should you purchase automobile insurance in Mexico, you ask? Due to the fact that policies issued in the United States and Canada are not considered legal in Mexico, to protect yourself you must have a Mexican insurance policy. If you are involved in an auto accident, even if it was not your fault, Mexican police do not consider that you are insured if you do not have a policy written in Mexico.

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.

If you have an accident while in Mexico, you must report it to the proper authorities before leaving Mexico. If you do not do this, your car may not be covered. Your insurance in the U. S. does not cover it either, so you could be out some money. Not to mention the fact that you will be without transportation should the accident total your car.

Did you know that a car accident in Mexico is actually a felony? Mexican authorities can impound your vehicle and keep you in custody if they so desire. It is important if you are going to drive in Mexico to buy legal aid and bond coverage as part of your Mexican auto insurance policy. The insurer will supply you with a lawyer who is by them to help negotiate your release and the release of your vehicle.

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.
About the Author
Author Linden Gray is a 29 year insurance veteran who has been featured in numerous publications including RV Magazine, PE.com, Google, Yahoo, Digg & Buzzle. Visit his website: Mexican RV Insurance or here: Mexico RV Insurance
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