Mexico is truly a tourist’s paradise lying just within reach of a car ride from the US.
The more you travel across Mexico, the deeper you get connected to its incredible culture, food, refreshing shorelines, striking landscapes, and historical beauty.
And the perfect way to get to experience all that Mexico had to offer would be to take a road trip. You can stop where you want, take your time to enjoy any spot and keep going in any direction that calls to you. A road trip would be so much more enjoyable for your adventurous soul, unlike any other packages.
But getting a car ride in a foreign country requires a lot more planning and execution for the sake of safety and regulations. Under federal law (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis), vehicles on Mexican federal roads and bridges must carry third-party liability insurance, and art. 74 Bis sets a fine for driving without it. Baja Bound's FAQ says US and Canadian insurance is not considered proof of financial responsibility under Mexican law.
There are many options and considerations you will have to look into with respect to car insurance. Here is a brief explanation of some of the important considerations for getting car insurance in Mexico.
Liability Insurance
Federal law (art. 63 Bis) requires third-party liability insurance on vehicles using Mexican federal roads and bridges.
This policy pays for damage you cause to third parties, up to its liability limit (Baja Bound FAQ). Baja Bound's FAQ says a liability-only policy covers damage you cause to third parties and, unlike full coverage, does not cover physical damage or total theft of your vehicle.
Full Coverage Insurance
Baja Bound's FAQ says full coverage covers physical damage and total theft of your vehicle (deductibles apply) and includes a liability limit, medical payments for occupants, legal assistance and bail bond, and roadside assistance. It could also provide more coverage depending on the particular policy you are opting for. Options vary by policy: on Baja Bound's policies, for example, partial theft and vandalism are included only with its HDI Premier and Chubb Platinum policies. Read the liability limits on the quote before you buy.
Financial Stability Of The Insurer
When you are searching for the best car insurance policies in Mexico, do check up on the financial stability of the insurance provider. You can use the A.M Best and Standard & Poor’s rating services to find the quality of any insurance provider. It is better to go with a provider with at least A rating. Baja Bound's FAQ names its underwriters as HDI Seguros and Chubb Seguros.
Language Assistance
Check if the insurance policies are offered in English so that you can understand the terms and conditions better. The company should also be able to provide you with bilingual assurance for legal assistance and communications about insurance claims; ask in writing whether claims and legal assistance are handled in English.
Online Services
Having on-the-go online services will be an added advantage. For instance, if the company can allow download of your insurance documents from an online portal. You will find it easy to access them anywhere on the road in case you lose the original documents. Baja Bound's FAQ says its policy is available immediately after purchase and emailed to you.
Legal Assistance
Legal assistance has to be an important part of any car insurance policy as it can be helpful in the event of an accident. In Mexico, you will be considered guilty until proven innocent. Check that your policy includes legal assistance and a bail bond; Baja Bound's auto policies include both, up to the liability limit, available 24/7.
Make sure you compare multiple insurers, their policy terms, premium prices, and coverage options to find the best policy that fits your needs.
Vehicle and dates settled? Run a quote for your trip at Baja Bound.