So you are on your joy ride to Mexico, cruising through the beautiful sceneries in Mexico. Unfortunately, your car tire gives out in the middle of nowhere, and you don’t see any nearby human presence to help you out. But you have no worries because you remembered to buy the car insurance with road assistance coverage, and you know exactly who to call and get you out of your trouble.
Car breakdowns, repairs, and troubles could arise anytime during the journey. As the wise say, it is better to be prepared than worry later. Proper Mexican car insurance can give you the adequate roadside assistance you need and make your road trips a lot more stress-free and enjoyable. Here is a small guide on Mexican auto insurance with roadside assistance
Why Do You Need Mexican Auto Insurance
Well, for starters, on federal roads you don’t have an option as to whether or not to buy insurance for your vehicle. Mexican federal law requires vehicles on federal roads and bridges to carry third-party liability insurance (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis). Insurance is separate from the vehicle import permit; see what you need before you drive into Mexico.
Your existing auto insurance will not do the job: US and Canadian insurance is not considered proof of financial responsibility under Mexican law (Baja Bound FAQ). If you don’t have auto insurance already, you will be asked to get one at the border before entering Mexico.
But you do have the option to select the right insurance policy with the right level of coverage and roadside assistance that fits within your budget. So along with your preparations for your road trip, such as packing in your clothes, first aid kit, car spare tires, car jack, and essentials, do research and get proper Mexican auto insurance to help you along the way.
What You Need To Know To Pick The Right Mexican Auto Insurance
As you would need the Mexican auto insurance only for the time you spend in Mexico, these types of policies are short-term and can be bought to use only for the exact duration of your trip: on Baja Bound's quote form, terms run from one day to one year (see the dated quote record).
The cost of your Mexican auto insurance will depend on various factors like:
- Duration of your trip
- Destination location of your trip
- The coverage you subscribe to includes liability protection, physical damage coverage, legal expenses, towing and transport assistance, passenger insurance, coverage for damage caused by the vehicle, roadside assistance, and more. Baja Bound's auto page lists liability, physical damage, medical payments for the driver and passengers, legal assistance and bail bond, and roadside assistance and towing.
Most insurance policies will include roadside assistance by default, but checkup and verify whether it is included before committing to a policy. Also, look into whether the policy offers special features such as transport assistance for the vehicle or help getting you home, as per your requirements. The more coverage you seek, the more expensive the premium will be.
Keep the policy's assistance number with you (see why the best Mexican car insurance is a must for more on coverage). You can also dial 078 for the Ángeles Verdes (Green Angels) roadside help; 911 is Mexico's emergency number. One more thing you can look into is the quality of customer support and language assistance, which will come in handy when you are stranded in a foreign country.
So, go ahead, and choose the best insurance policy with roadside assistance in Mexico.
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