So, are you all set for your Mexico trip? Chances are high that you have already found answers to common questions like:
Is Mexico safe for families?
What are the must-visit places in Mexico?
What are the famous food-joints in Mexico?
And perhaps, what are the best beaches in Mexico?
But there is one subject that you probably haven’t put much thought into – do you need car insurance for Mexico?
Fret not. Here is what you need to know.
Why Car Insurance in Mexico is Necessary?
If you are an American traveling in Mexico, it is important to understand that Baja Bound's FAQ says American auto insurance policies are not considered proof of financial responsibility under Mexican law. Mexican federal law requires every vehicle on a federal highway, road or bridge to carry insurance covering damage to third parties (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis), so your American policy does not meet that requirement if you have an accident in Mexico.
Baja Bound's auto policies include legal assistance and a bail bond (Baja Bound), which is what you want on your side if the discussion after an accident is in Spanish.
The result – you might get arrested by Mexican authorities, and your car might be impounded until the matter is resolved. What’s more, the discussion could be in Spanish, and all this drama ruin all your vacation plans.
Thus, it makes sense why you should get your own Mexican car insurance policy to have a stress-free vacation.
How Can You Buy Mexican Car Insurance?
Buying Mexican car insurance is simple and pretty much the same as buying an American one. Baja Bound's quote form asks for your vehicle and its value, your travel dates, and whether you are only traveling to Baja or Sonora (see our dated record of that quote run on the price table).
You might also be able to add roadside assistance and other related coverage to your insurance policy. A rental car rented in Mexico is different: Baja Bound cannot cover it, so use the rental company's cover (Baja Bound FAQ).
How Do You File a Claim?
In the case of an unforeseen event, like in an accident, you can file your claim. Here is what you need to do:
- Call the number on the face of your policy to file a claim; Baja Bound's FAQ says claims must be filed in Mexico before returning to the US.
- Follow the insurer's instructions on documenting the damage.
- File a police report if your policy requires one.
To ensure flawless execution, it is highly recommended to cooperate with your car insurance authorities and provide them with all the details and paperwork that they need.
Car Rental Insurance in Mexico
If you rent a car in Mexico, Baja Bound cannot cover it; use the rental company's cover (Baja Bound FAQ).
Check what the rental company's car rental insurance includes, and whether physical damage or theft of the rental car itself is covered. Although getting regular coverage is essential, it is highly recommended to buy the Collision Waiver as well. This portion will cover the cost of physical damage or car theft while you travel.
The Next Steps
As is evident, if you are in Mexico, getting Mexican car insurance is a must. If you drive on Mexican federal roads, third-party liability insurance is required (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis). To learn more, contact us today.
Driving down instead of flying? Get a Mexican car insurance quote.