The holidays are here and for many of us, it’s time to pack our bags and head to Mexico to visit our families! If you’re traveling there this season, you should know that your U.S. auto insurance may not cover damages or injuries to other drivers. Sound confusing? Don’t worry, we’re here to outline your options and give you one less thing to stress about this holiday season!
The first option you have is to purchase tourist insurance while you’re in Mexico. This is usually known as a civil liability. The civil liability insurance policy will cover you if you cause an accident with damages or injuries to another person. Some insurance companies offer coverage for damage done to your car, but only for a short distance when crossing into Mexico, generally only about 25-50 miles. Other insurance providers will let you add to your coverage when you’re traveling.
These specific extensions may only cover theft or damages, but the good news is that there are different policies that you can purchase instead! Your current insurance provider can help you find a company that’s authorized to sell this tourist insurance in Mexico.
International Car Insurance
If you don’t purchase tourist insurance while you’re in Mexico, you also have International insurance as an option. Generally, the international auto insurance switches to minimum coverage once you drive abroad. It’s usually only valid for a limited time but you can upgrade your policy by investing more money.
Here are a few requirements to keep in mind when buying international car insurance:
- You will a need a photocopy of your current vehicle registration
- The year, make and model of your car
- Your driver’s license number
- Your license plate number
- Your VIN number
- Coverage details (comprehensive or collision)
- Your leasing information
- The dates you will be staying in Mexico
- Reason for your visit
- Where you will be traveling and staying in Mexico
Avoid the consequences of driving uninsured in Mexico
If you have an accident in Mexico, the local police can arrest you, impound your car, and detain you for not being insured. If you are uninsured and found to be at fault, you will be kept under custody until the authorities find out if you can cover the damages done to the other party.
If you’re planning to drive to a different country such as Mexico, it’s important to consider adding insurance coverages, so you can be protected in the event of an accident. Remember that your U.S. policies are not valid in Mexico. For more information about the coverages you’ll need in Mexico, call us at 1-800-639-7654!