Understanding Mexico Auto Insurance Coverage … before your trip..

Our agent have may years of experience providing consumers with Mexican auto insurance coverage, and can provide you with detailed information about Mexico auto insurance before you buy.

Remember, when driving in Mexico you have to have the proper Mexico car insurance, purchased from an admitted Mexican insurance company.

Before you purchase Mexico auto insurance coverage, you should know what you’re buying and why, you can call an IronPoint agent to review the coverage available, or you can review the information below to get a general understanding of what can be offered when you buy Mexico auto insurance coverage.

Tourist Auto Insurance

The first thing to know, when you purchase a Mexico auto insurance policy stateside, you are likely buying a tourist insurance policy. This type of policy is only valid for short-term, tourist visitors driving in Mexico. It’s not intended to be a permanent Mexican insurance policy.

Here is a basic description of what you get with a Mexico auto insurance policy:

1 – Civil Liability Coverage

This coverage for bodily injury and property damage to parties other than the insured and occupants of the insured vehicle, resulting from the use of the insured vehicle. Since your U.S./Canadian insurance is not valid in Mexico, this fulfills your “proof of financial responsibility” as required under Mexico law. Insurance coverage is available up to $300,000 U.S. Combined Single Limit for damages incurred to others.

2 – Physical Damage and Total Theft Coverage

This coverage protects your vehicle for the lesser of its ACV or amount stated on your policy for total theft, collision, over turn, fire, lightning, explosion, and certain natural phenomenon. Partial theft and acts of vandalism are excluded. Towing expenses are covered in order to move the vehicle to a place designated by the company for repairs, including to the U.S. if agreed by the company.

3 – Insured Amount Coverage

In case of total loss, the company will adjust on the basis of the Actual Cash Value (ACV) of the vehicle at the time of the accident. It is imperative that a realistic ACV of your vehicle be determined upon purchase of your insurance policy. Under-insuring your vehicle(s) may result in financial penalties in the event of a loss.

4 – Medical Expense for Occupants

This coverage pays medical expenses for the driver and occupants of the vehicle for injuries sustained in the event of a covered loss. Insurance coverage is available up to $20,000 for each injured occupant but not more than $100,000 for all occupants combined.

5 – Medical, Travel, Roadside and Legal Assistance Coverage

What you can expect from this coverage is legal services and payment of bail bonds required in the event of a covered loss. These services are available 24 hours a day, 365 days a year. Also provided are travel assistance, including an automobile/travel hotline.

6 – Coverage for Motorcycles

Motorcycles are eligible for Physical damage, Total Theft, and Liability insurance coverage while traveling in the Republic of Mexico. Medical Payments and Roadside Assistance are not available for motorcycles.

7 – ATVs and Golf Carts

If your vehicle is “street legal”, then it is eligible for Physical Damage, Total Theft and Liability coverage while driven on standard roads and on golf courses in Mexico. No coverage is provided for “off-roading” or on unconventional roads. Medical Payments and Roadside Assistance are not available for ATVs and golf carts.

Want to get started?

If you wanted to discuss your Mexico auto insurance coverage options further, get a quote, or buy your Mexico auto insurance policy, give us a call at 877.334.7646 today.