Do you also love to drive on Mexican roads? Or are you just planning to drive on Mexican roads? Most of us are familiar with the stunning beaches and places to visit in Mexico. But wait! Are you aware of the law enforced by the Mexican government? You could be sent to jail for not having Mexican car insurance. While driving, if you somehow get into a car accident, you can be sent to jail if you are found with a non-Mexican auto insurance policy. So, it’s better to carry Mexican car insurance while crossing the southern border. Well, we will discuss it in depth later in the following article, so make sure to scroll down to find out how to get Mexican car insurance to escape from being sent to jail.
Why do you need Mexican car insurance?
One of the biggest reasons for having Mexican car insurance is that Mexican federal law requires every vehicle on a federal highway, road or bridge to carry insurance covering injury and damage to third parties, and makes the owner responsible for buying it (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis). The same law sets a fine for driving on federal roads and bridges without that insurance (art. 74 Bis II). As you know, Baja Bound's FAQ says U.S. and Canadian car insurance policies are not considered proof of financial responsibility under Mexican law. So, eventually, you have no other option than to purchase Mexican auto insurance from a Mexican insurer.
Furthermore, while driving in Mexico, if you become involved in a serious accident and are also found liable, the police may arrest you until the blame is assessed. A Mexican car insurance policy is what stands behind you: Baja Bound's auto policies include legal assistance and a bail bond, available 24/7, with a limit matching the liability limit (Baja Bound). Your car insurance issued from your home country is not considered proof of financial responsibility under Mexican law.
Apart from legal support, a car insurance policy can also include medical payments coverage for you and your passengers, and roadside assistance and towing. Check the quote for what is included and the limit on each line.
For total theft and physical damage, Baja Bound's quote form states the policy pays actual cash value (price table); a Mexican car insurance policy with partial theft and vandalism cover is available only on HDI Premier and Chubb Platinum, per the FAQ.
How to Get Mexican Car Insurance?
The process of getting Mexican car insurance is not as hard as it seems. It’s the same as purchasing insurance in your home country. Baja Bound's quote form asks whether you are only traveling to Baja or Sonora, and quotes either a Baja & Sonora policy or one covering all of Mexico, with Chubb Platinum Baja Saver, HDI Premier and HDI Standard as the options (price table). To get the best car insurance for Mexico, have the following to hand when you quote:
- The date on which you are planning to drive to Mexico
- Name of the place to which you’re planning to drive on
- Value of your car
- The model and made version of your car
- The length of your stay in Mexico
- Your driving license
- Your personal information such as your name, age, contact details, etc.
After providing all the information required by your insurance provider, you will need to check what you need coverage for. For better assistance in customizing your insurance policy, get a quote on SmartGringo, as we will help you to understand and customize your insurance policy in a more convenient manner so that you can find the best deal that will suit all your needs and your budget. Moreover, we do only offer policies from “A” rated insurance companies at affordable rates and great coverage.
Bottom Line:
You must now be well aware of the importance of Mexican car insurance. So, to avoid any financial and legal stress while enjoying driving on the Mexican roads with your family, get Mexican car insurance as this will help to provide you with coverage against many things that can negatively affect you and your pockets. So, don’t wait anymore and get a quote today, here at SmartGringo, to get the best deal!
Driving down this month? Get a Mexican car insurance quote from Baja Bound.