If you are considering visiting or relocating to Mexico, it is of primary importance that you have the right Mexico car insurance when driving to Mexico. Any kind of Mexico car insurance should be from a company accredited by the Mexican government.
Aside from the requirements of the law, there are seven types of Mexico car insurance coverage you should have when driving to Mexico.
Liability Mexico Car Insurance Required for Driving to Mexico
The law requires that all drivers have liability Mexico car insurance from an insurance company licensed by the Mexican government when driving to Mexico. Liability insurance will cover property damages and personal injury to a third party and will protect the insured from any claims. In Mexico, uninsured drivers in Mexico are both criminally and civilly liable for any injuries and damages to a third party. You want to avoid any legal complications when in a foreign country, and that includes driving to Mexico.
Collision Damage Waiver in Driving to Mexico
A driver is responsible for any property damage ensuing from a car accident, and this can run up to a large repair bill. Mexico car insurance for collision damage will take care of all this when driving to Mexico. Rental companies will offer this option but it can be costly. It is recommended to arrange for this type of Mexico car insurance prior to driving to Mexico from an insurance company that will cover travel outside the US, and specifically to driving to Mexico.
Personal Injury Protection in Mexico Car Insurance
Third-party liability insurance does not cover medical bills of the insured or the passengers. Personal injury protection will cover this when driving to Mexico, and expenses will be paid directly by the Mexico car insurance company.
Uninsured Motorist Coverage When Driving to Mexico
Even if you are law-abiding, other motorists may not be. In the event that the other driver has no Mexico car insurance, you will have to cover your own expenses. Of course, you can make a claim against the personal property of the other driver, but that is a lot of hassle and can take some time to be resolved. It is better to have your own coverage for uninsured motorists when driving to Mexico.
Comprehensive Mexico Car Insurance in Driving to Mexico
Accident protection is not enough Mexico car insurance, just as in the US. Theft, animal collision, and weather damage can only be covered under a comprehensive policy when driving to Mexico. This type of insurance may be designed to cover all other kinds of Mexico car insurance that you should have in driving to Mexico. Just make sure that it is accredited by the government and enough to cover the value of the vehicle as well as the possible medical expenses of all involved.
International Coverage as Part of Mexico Car Insurance
When driving to Mexico, it may seem ridiculous to pay for international health insurance because of the proximity to the US, especially for short trips, but there may be medical conditions that will require specialized medical evacuation. Choose a Mexico car insurance company that will also include this type of coverage whether you are driving to Mexico or not.
West Coast Mexico Insurance can help answer any questions you may have about car insurance in Mexico. Whether your vehicle is registered in Mexico or you drove across the border from the United States West Coast Mexico Insurance will help secure the best insurance policy for your individual needs. Get a quote and secure your policy in minutes online by clicking on this link.
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