Mexican Insurance
You can now quote and purchase your Mexico auto insurance policy from us through this web site.
GENERAL INFORMATION ABOUT MEXICAN INSURANCE
U.S. driver's licenses are valid in Mexico, however Mexico requires that vehicles be driven by their owners, or that the owner be inside the vehicle, and Mexican insurance is required for all vehicles, including rental vehicles.
U.S. automobile liability insurance is not valid in Mexico, nor are most collision and comprehensive coverages issued by U.S. companies. Travelers are STRONGLY encouraged to purchase auto insurance adequate for their needs in Mexico. Motor vehicle insurance is considered invalid in Mexico if the driver is found to be under the influence of alcohol or drugs.
Almost all Mexico insurance coverages are the same, however the limits may vary. Here is a brief breakdown of these coverages:
- Collision, Upset, Glass Breakage: This covers your vehicle up to limits stated on your policy for damages resulting from collisions, upsets (turning over), and glass breakage. The deductibles are $500 (U.S.) per accident per described vehicle, boat and/ or trailer. A boat and trailer is considered one unit and the vehicle is also considered as one unit. (Both subject to the applicable deductibles).
- Fire and Theft: This coverage protects your vehicle up to the limits stated on your policy for fire, lightening, explosion, total theft, strikes, popular uprisings, and meteorological phenomena such as windstorms, cyclones, hurricanes, earthquakes and floods. Deductible for fire, lightning, and explosion is $500 (U.S.). Total theft of the vehicle is subject to a $1000 (U.S.) deductible.
- Property Damage: This protects you against losses resulting in damage that your vehicle might cause property owned by others-provided you are legally liable.
- Civil Liability: This covers your legal liability for injuries or death to a third party resulting from the use of your vehicle. (Occupants of your vehicle are not covered under Risk #4.)
- Medical Payments: This covers you up to the limits stated on your policy for the occupants of your vehicle in case of collision, upset or fire.
- Partial theft, malicious mischief and vandalism are not covered.*********
HOW TO HANDLE AN AUTO ACCIDENT OCCURRING IN MEXICO
Please call an adjuster as soon as possible. Do not accept responsibility or offer to pay the other driver. Refer to your “Procedure For Handling Claims Occurring in Mexico” for specific numbers and more detailed information.
All accidents or losses occurring in Mexico must be reported to the Mexican insurance company and responsible authorities prior to your return to the U.S. Failure to do so may jeopardize your claim.
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