The Califonia Departments of Insurance advise consumers to  "review the territorial provisions of your policy with respect to driving in Canada and Mexico. Generally, Mexico does not recognize liability insurance issued in California. If you are involved in an accident in Mexico, you are subject to Mexican legal requirements. Therefore, it is strongly recommended that Mexican insurance be purchased prior to entering that country. Some California issued policies do extend limited physical damage (comprehensive and collision) coverage on vehicles for a limited distance while operating in Mexico," but this form of insurance will not satisfy the Mexican laws and regulations regarding proof of financial responsibility.

The Arizona Department says "Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your Arizona personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border), but this coverage does not meet the insurance requirements of the Republic of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico."

Yes. Your U.S. insurance company may be able to cover only the damages or theft to your vehicle within a small mileage range into Mexico. They cannot pay damages you legally owe to others in case you are at fault in an accident (liability coverage). If your U.S. insurance company tells you your vehicle damage or theft is covered in Mexico, be sure to get this in writing from your agent or the company to avoid misunderstandings. If they tell you there is liability coverage in Mexico, be wary because this may be misleading. Mexican authorities cannot recognize U.S./Canadian policies which means you do not have coverage according to their legal system.

We offer coverage for cars, pickups, SUV's, vans, motorcycles, RVs, and towed items like trailers, boats, ATVs and campers. Policies for these vehicles may be issued from our website. We do not insure buses or commercial vehicles.

In many cases your vehicle will be able to be repaired in the U.S. However, if your vehicle is not in a safe, driveable condition, you may have to have your vehicle repaired in Mexico.

Liability insurance covers damages you cause to others who are not a party to your insurance policy. When someone refers to a liability-only policy they are saying that the policy only covers the liability risk for the policyholder. Policies shold with only the liability coverages do not cover collision or total theft losses to a covered vehicle. It is important to understand that many Mexcican drivers do not have insurance. If you elect to only purchase the liability coverages on your Mexico auto insurance policy, if you are involved in an accident with an uninsured motorist, the policy will not have coverage to repair your vehicle.

When people refer to a full coverage policy they are frequently talking about a policy that has coverage for collision, total theft, and other perils associated with damage to your car. These coverages are considered first-party, and they apply to the insured and the insured vehicles on the policy, and are not designed to provided any liability protection. Collision and Total Theft coverages are subject to a deductible (which you select).

There is no coverage for vehicles involved in off-roading or racing. However in Mexico there are many dirt roads that are considered municipal roads if they are normally transited and on these types of roads we can offer coverage. There is no coverage on roads that are impassable.

If your policy has not yet begun, you may cancel your policy by calling us at (949) 768-4045 Monday – Friday 9am – 5pm Pacifi Time.