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How to Buy Mexican Car Insurance and Stay Protected in Mexico

Member
By redirwin
User-Submitted Article
(1 Ratings)

Mexican car insurance is a necessity for those planning on driving vehicles in Mexico. It is important to understand that, while U.S. insurance companies may cover some minor theft or damage within about 25 miles of the border, drivers are still required by Mexican law to carry Mexican auto insurance from a company in the Republic of Mexico. Currently, Mexico's liability requirement for damage and bodily injury is $20,000 (U.S. dollars), however more coverage is often recommended. So, how can you find a reliable Mexican car insurance company? Here are a few suggestions to get you started.

Difficulty: Moderately Easy
Instructions
  1. Step 1

    Call ahead to your destination resort or hotel and ask for a suggestion. Find out who they recommend for Mexican car insurance. Often a destination resort will have partnerships with reliable Mexican auto insurance companies and agents. Get some names and contact information, and try find out if other guests have generally been happy with those suggestions.

  2. Step 2

    Ask family or friends who frequently travel to Mexico which Mexican car insurance companies they have used. Find out if they've ever had to file a claim and, if so, if they were satisfied with the process. Ask if they can put you in contact with their Mexican auto insurance agent and make an introduction.

  3. Step 3

    Contact your state insurance board and ask them for a list of Mexican car insurance companies with offices in your state. This puts you at an advantage of dealing with a local agent who speaks English. This also gives you the ability to verify that office's standing with local trade organizations like the Better Business Bureau.

  4. Step 4

    If you can't find a Mexican car insurance office in your state, check with states like California, Arizona, New Mexico and Texas that share borders with Mexico. These states are usually booming with businesses that cater to travelers crossing the border.

  5. Step 5

    Finally, if you can't get a positive recommendation from someone you trust, conduct an internet search for "Mexican car insurance" or "Mexican auto insurance". You'll find a fairly comprehensive list of reliable companies, many of which have offices in the United States. Call several of them and speak with an agent. Ask questions about what they cover, what they charge and which trade organizations they belong to. This should give you a good idea of their quality and reliability.

  6. Step 6

    Remember that traveling with the right insurance is a priority to keep you and your family safe. Make sure you choose a good Mexican car insurance company to protect you should things go wrong while you are enjoying your trip.

Tips & Warnings
  • As with any car insurance company, you need answers to some basic questions. Ask your potential Mexican car insurance provider about claims and repairs.
  • Can repairs be made in the US or Canada at local repair rates?
  • Which currency are claims settled in?
  • Is there an easy way to follow up on claims?
  • Remember to report any claims or accidents before leaving Mexico.
  • Always obtain a police report and keep a copy for your records.
  • If your vehicle is stolen, you may need to report it to several agencies. An insurance adjuster can assist you with this.
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