How To Protect Yourself And Drive Legally With Mexico Insurance

by Linden Gray

Why should you purchase automobile insurance in Mexico, you ask? Due to the fact that policies issued in the United States and Canada are not considered legal in Mexico, to protect yourself you must have a Mexican insurance policy. If you are involved in an auto accident, even if it was not your fault, Mexican police do not consider that you are insured if you do not have a policy written in Mexico.

If you are planning a visit to Mexico in an automobile, purchasing a policy online is highly suggested. If you purchase coverage from ACE or ING insurance companies, additional coverage is included. With the policies they offer, you will receive medical assistance in case of an emergency, medical payments, roadside assistance. With ACE, you even gain access to a rental car if yours is unable to work after an accident.

It is not uncommon to see Canadians and other northern dwellers pay a visit to Mexico in an attempt to escape their colder temperatures. Many are unaware that the Canadian insurance policy they possess is not valid in Mexico. They run the risk of facing grave consequences if they are involved in a car accident during their visit.

Full coverage insurance, Mexican style, includes coverage for the damage to your car. If your car is stolen, it is covered. If it is wrecked, it is covered. Fire, lightning, and other weather related damage as from windstorms, earthquakes, and hurricanes are covered. However, if your car is damaged from a thief trying to steal your radio, your insurance does not cover the damages he does to your car unless you purchase extended coverage.

If you happen to be involved in an accident in the country of Mexico, it is imperative that you report it to the proper authorities if you want your claim to be honored. Otherwise, your Mexican insurance company has no obligation to pay any covered loss.

In the country of Mexico, a car accident is more than an accident-it is a felony. They can take your vehicle and put you in jail if they wish, so protect yourself financially and purchase valid and adequate insurance. Some Mexican insurance companies will provide you with the necessary representation to clear up any accident related business while you are in Mexico.

There are numerous insurance salesmen offering policies online for trips to Mexico. Most travelers find buyinf from the internet the easiest approach, as buying insurance at the border is often expensive and frustratingas its easy to become confused.Often, you do not receive what you believe you are purchasing and the worst moment to learn about the fine print and lost details is after a car accident has taken place. If you plan to rent a car with US plates for your trip, don’t forget Mexican insurance is available for car rentals too for less than the rental company will charge. Always inform the rental company that you intend on traveling to Mexico.

If you have an older car you may wish buy liability insurance, similar to that purchased in the US. Anybody over 21 years of age with a valid license can use the policy. Driver’s license policies are an optoion as well because the coverage applies to multiple vehicles.

Mexican insurance customs and laws are different than generally accepted practices that Americans and Canadians follow. Your freedom and the possession of your vehicle is based upon payment of whatever damages they feel you have caused others or until you are considered innocent. For example, if you are part of a vehicle collision, you are held in custody until you pay the total cost of damages. Purchase from specialist providers like mexicaninsurancestore.com Auto accidents in Mexico are considered your fault until a judge is able to rule otherwise.

About the Author:

Author Linden Gray is a 29 year insurance veteran who has been featured in numerous publications including RV Magazine, PE.com, Google, Yahoo, Digg & Buzzle. Visit his website: Mexican Liability Insurance or here: AAA Mexican Insurance