Click on the
banner above and buy Mexican auto or boat insurance from the comfort of your
own home. No more unnecessary stops and paperwork on your way to paradise.
Click above, print your policy, and be on your way! Questions?
Q: Why do I
need Mexican insurance?
A: Mexico has traffic laws very similar to the United States. The application
of their laws is what accounts for the differences, and the reasons for
needing Mexican insurance. The law in Mexico is based on the Napoleonic Code
where guilt prevails over the assumption of innocence. In the U.S., the law is
based on the English Common Law where innocence prevails over the assumption
of guilt. Mexico does not have compulsory automobile insurance. The basic
difference between Mexico's and United States financial responsibility law is
that anyone involved in an accident in Mexico must have the means to respond
to damages or injuries for which they may be responsible....which in Mexico
would be in the form of either cash or a Mexican insurance policy. f
Q: Do I need
a Mexico Car Permit?
A: If you plan on only driving in the state of Sonora, the answer is NO, you
don't need a permit.. If you plan to drive outside the state of Sonora in
mainland Mexico beyond the border areas, or plan to transport a vehicle by
ferry from Baja California to mainland Mexico, then yes, you do need a
permit.. Permits are also not required for travel on the Baja California
Q: Does my U.S. insurance policy cover me in Mexico?
A: Some policies may cover your vehicle for physical damage. The problem is
that the Mexican government does not recognize any policies as valid unless it
is by a Mexican Insurance Company. You must have a Mexican Insurance Policy
that covers you for your liability in Mexico.
Q: How is the value of my vehicle determined?
A: Your insurance agent should be able to help you, or you can click on the
above banner, which has a Kelly's Blue Book link and check for yourself to
determine your vehicle's value. Make sure to add those extras you want insured
in case you should have a loss. Don't forget to add the vehicle being towed,
if any, in the amount to be insured. We advise you not to under-insure.
Q: What if I have a loan on my vehicle?
A: Most lenders will require that they be furnished a copy of your policy
indicating that the unit is insured while it is in Mexico. Just include the
"lien holder" on your policy. Always make sure you allow enough time before
your trip into Mexico to allow for the handling of paperwork.
Q: If I tow a trailer, boat, or another vehicle, do I need to insure them?
A: No, and it must be listed on the policy with the towing vehicle, otherwise
the towing vehicle's insurance could be voided in the event of an accident or
loss. If you are towing another Car or Truck, and plan on driving it around in
Mexico, you will need a policy to cover it for driving and not just while it
is in tow.
Q: If I am borrowing a vehicle, will I need any special documents?
A: Yes, you should obtain a notarized affidavit of permission from the legal
Q: What is Liability Only?
A: The Liability Only policy provides the minimum vehicle insurance required
by the Mexican government. Included in this coverage is property damage caused
by your vehicle, legal liability for injuries or death of persons not in your
vehicle, and medical expenses for you or other persons in your vehicle.
Q: What is Legal Aid Coverage?
A: In Mexico, a traffic accident is considered a felony, it is possible that
you will be detained by the authorities, with your vehicle impounded, until
they conclude their investigation. Legal Aid helps prevent this, with one
phone call an attorney will come to your assistance, and negotiate your
immediate release, as well as the release of the vehicle.
Q: What's covered on a Mexican auto insurance policy?
A: Contrary to the more broad coverage's of a standard U.S. auto policy, a
Mexican tourist auto policy is a named peril policy. Basically that means,
"what you see is what you get". If it is not listed on the Policy Coverage
then it is not a part of the coverage, nothing more and nothing less.
There are five (5) basic risks to a standard Mexican tourist auto policy.
1) Collision, Upset, and Glass Breakage
2) Fire and Total Theft
3) Property Damage Liability
4) Bodily Injury Liability
5) Medical Expenses
There are various methods of customizing a Mexican tourist policy. You are
encouraged to clearly define your travel plans to your Mexican insurance agent
so that adequate insurance is established.
Q: What's NOT covered on a Mexican auto insurance policy?
A: As important as it is to know what is covered, it is worthwhile to also
know what is NOT covered. Some of the losses and/or expenses an insured might
incur which are not covered include pilferage, vandalism, lodging expenses,
toll calls, and loss of wages.
Q: Are claims paid in dollars?
A: The Mexican insurance company settles all insurance claims in U.S. dollars
from their claims offices in Mexico.
Q: How much does Mexican insurance cost?
A: There are many factors to determine the total cost of insurance. Basically
it is a "sliding scale" It all depends on how much you insure you vehicle(s)
for, and how long you will be insured for. Most policies are written on a
daily rate. It may be less money if you are going to be traveling many days in
Mexico, to go with an annual policy (covers you for the entire year). 10% Mexican government tax on the premium
Q: Do I have to go to your office to get my insurance policy?
A: No. Click on the banner above and start the process. It is easy. Stopping
at the border to get insurance can be timely and expensive. Doing it from the
comfort of your own home, printing the policy from your own computer, is
another benefit of renting your condo through us. We are not affiliated with
the insurance company nor are we licensed to receive commissions. It is a
benefit for you: Our rental client.