Mexican law is quite a bit different than the United States when it comes to getting in a vehicular accident while traveling in Mexico. Those deemed to be at fault for the accident are guilty until can be proven innocent. Even worse, if any injuries resulted from the accident, the party at fault is liable for all medical expenses and providing financial support for the injured parties and their families until they recover. Scary, right?
This is why it’s so important to have Mexican auto insurance when you cross the border into Mexico. Your auto policy in the United States or Canada does not cover you and Mexico will not recognize your policy as a valid policy in the country. Thinking you’ll just risk it and hope for the best? Well, you’ll be in for a surprise if you get into an accident because when authorities find out you don’t have insurance, you’ll go straight to jail and they will most likely also impound your car. Trust me when I say you do not want to experience jail time in Mexico.
Now, for the smart traveler, there are affordable and easy to obtain temporary auto insurance policies you can purchase for travel in Mexico. Policies can be for just one day up to one year if you plan to be in the country longer. A liability-only policy is the least expensive way to go and it will provide coverage for medical and property damage to third parties if they are involved in the accident. Full coverage policies can also be purchased and they will cover damage to your own vehicle and often times will let you get it repaired in the U.S.
The good news is these policies are pretty inexpensive and you’ll be pleasantly surprised to find out that insurance in Mexico is much less than it is in the United States or Canada. SmartGringo offers temporary insurance and you can get it online in a matter of minutes from several A-rated insurance companies.