Mexico Coverage - Things You Should Know
If you are thinking of taking your car south of the border down Mexico
way, then check out these tips to avoid finding yourself doing the
Mexican Hat Dance. 1. Driving Conditions in Mexico
To put it
politely, driving in Mexico can be quite an adventure! Minor bumps and
fender-benders are quite common, especially at intersections and stop
lights. It is a fairly common practice for Mexican drivers to disable
their tail lights with the sole purpose of causing someone to bump into
their rear in order to claim on their insurance. So, stay well back!.
If you can, avoid driving at night. Nearly 90% of fatalities on
Mexican roads occur during the hours of darkness. 2. Mexican
Auto Insurance
Having Mexican auto insurance is a must as U.S. and
Canadian auto insurance is not recognized in Mexico. Not having Mexican
auto insurance can lead to jail time and the confiscation of your
vehicle. It' best to buy your Mexican auto insurance before you enter
Mexico but the Mexican authorities will allow you to drive up to 25
miles over the border to purchase it in Mexico. 3. Check Your
Medical Insurance
As stated above, driving in Mexico can be
dangerous so you should consider taking out emergency assistance
coverage as most health insurance providers in the States do not cover
Mexico. 4. Legal and Bond Expenses
Make sure your Mexican
auto insurance policy includes a provision for Legal Assistance and Bond
Expenses because believe it or not, according to Mexican law, which is
based upon the Napoleonic Code, you are considered guilty until proven
otherwise and having an accident is a felony. The Mexican police have
the right to impound your car and detain you whilst they investigate the
case and if found guilty, until you have paid the damages that have been
deemed to have been caused by you. 5. When in Mexico
Documents you should take with you for your trip to Mexico
Tourist
Card
Temporary vehicle importation permit
Insurance Premium
payment receipt
Driving licence
Your Mexican auto insurance
policy
Mexican Insurance ID card
Proof of ownership of the
vehicle
Proof of citizenship (passport or ID)
Always keep these
document on you person. Do not leave them in your vehicle in case it
gets stolen. 6. Where to Purchase Your Mexican Auto Insurance
The quickest and simplest way to purchase auto insurance for Mexico
is via the Internet. When looking for a plan, look for one that offers
the following:
Third Party (Civil) Liability
Medical Expenses
for Driver and Occupants
Physical Damage and Total Theft of Vehicle
Legal Assistance and Bail Bond
Roadside Assistance
Partial
Theft and Vandalism
Guaranteed Hospital Admission When
considering emergency medical coverage make sure you include any
activities to intend to follow in Mexico that could be considered
dangerous, and look for plans that contain the following
Air Or Land
Evacuation
Rural Mexico Territory Exclusion
Exclusions For
Pre-Conditions (Except Late Pregnancy)
Sport Or Adventure Activity
Exclusions (such as Surfing, Cycling, Mountain Biking, Mountain
Climbing, Snorkeling)
Civil War Or Terrorism Exclusions
Mexico Coverage - Things You Should Know
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