Whether you are going to Mexico to visit with family or for a vacation, it is important to understand how your car insurance will be affected by your trip.
Most U.S. insurance companies do not offer insurance within Mexico, although some do cover your physical damage for a few miles past the border. With liability coverage, however, you are on your own. It is illegal in Mexico for any U.S.-based company to sell liability coverage. This means you must purchase liability coverage through a Mexican insurance company, which is mandatory in at least 14 states as of 2014. Remember that liability coverage protects other people and property that you may damage in an at-fault accident.
Infinity offers coverage in Mexico through four Mexican companies. You can learn more about these companies by calling an Infinity agent at 1-800-INFINITY. For now, let’s break down some of the offered plans.
All of these extended plans will cover physical damage, total theft and vandalism. They will also offer a minimum of $500K of liability coverage. Policyholders may also be eligible for coverage coverage that can help cover the cost of legal assistance in the unlikely event that they end up in court. A policy through Infinity can also include roadside assistance if you ask for it, and we also offer fixed deductibles to accommodate your needs. Most of the Mexican Insurance products offered by Infinity also offer Uninsured Motorist coverage as well as varying amounts of Medical Payments coverage. Standard plans are also available.
Under federal Mexican law, at-fault parties in a car accident must prove that they can pay for the damages. If there is a death in an accident, the responsible party must be able to pay at least $25,000. So it’s a very good idea to get at least that much liability coverage. If you are unable to prove that you can pay, you may end up with a substantial fine, not to mention some time in a Mexican jail.
It is best to buy your insurance in advance of your trip. Even though there are some places where you can buy insurance near the border, your choices may be limited. Once you arrive at the border, you will need your proof of insurance, driver’s license and passport.
One thing that is not covered by any of our insurance plans is rental cars, because you cannot legally take a car you do not own into Mexico. A vehicle crossing the border must be documented as your own vehicle.
Before any trip for which you take your car out of the country, contact your insurance agent to make sure that you get the coverage you will need.