What is Mexican Tourist Insurance?

Mexico does not recognize American auto insurance policies. If you get into an accident anywhere in Mexico, you will not be able to use your car insurance to cover the damages. As a result, Mexican authorities may arrest you and impound your car until the matter can be settled. Without a proper way to pay for damages, the process may take a while. Remember, too, this discussion may all be happening in Spanish. Getting into an accident is already enough to disturb your vacation travel plans, don't let it ruin them by having an insurance mishap. The risk and consequences are too great to not purchase a policy before you go to Mexico. Luckily, it is easy and comparatively inexpensive to get your own Mexican car insurance policy.

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In contrast to American insurance, you won’t need to provide much information about your driving record before you purchase Mexico auto insurance. Coverage consists of a lump-sum liability limit, some sort of first-party medical insurance benefits and uninsured motorist insurance. The best Mexican car insurance policies may also have the option to add other endorsements, such as rental car insurance, roadside assistance and even coverage to pay for plane tickets, should something happen to your car. The lump-sum liability is the equivalent to combining bodily injury and property damage liability insurance in the U.S. Rather than having two separate capped values, which are further divided into a "per accident,” and "per person" basis, the lump sum can be allocated for as much is needed in a property or bodily claim.

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You need to carry Mexican auto insurance to drive legally in the country, as liability coverage is mandatory. If you're involved in an accident while driving in Mexico, the maximum amount you may have to pay out if another party is injured or killed in an accident varies depending on where you drive. Therefore, you should check the laws of the Mexican state you will be driving in, as it impacts the amount of car insurance you'll need in Mexico.

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