What Do I Do After a Car Accident in Mexico?

Getting into a car accident is stressful anywhere—but when it happens across the border in Mexico, it can feel even more overwhelming. The rules, responsibilities, and insurance requirements are different, and knowing what to do ahead of time can make a major difference.

This guide explains the right steps to take after an accident in Mexico, how Mexico auto insurance works, and how to stay protected.

1. Stay Calm and Secure the Scene

Check for injuries and move to a safe area if possible. Do not leave the scene. If anyone is hurt, call local emergency services immediately by dialing 911 in Mexico.

Turn on hazard lights, use cones or warning triangles if available, and avoid moving vehicles unless they pose a danger to traffic or safety. In many parts of Mexico, it's best to leave vehicles where they are until police or your insurance adjuster arrives—unless specifically advised otherwise.

2. Contact the Local Authorities

In Mexico, car accidents—even minor ones—often require a police report. Call the local police to document the incident and gather official records. Police may interview everyone involved and create an accident report.

Keep a copy of the report or write down the badge number of the responding officer and where the report will be filed.

3. Call Your Mexico Insurance Provider

If you purchased Mexico auto insurance (which is legally required), call the claims number listed on your policy documents right away.

Your insurer will advise you on next steps. In many cases, they may send a Mexico-based claims adjuster to the scene—especially for serious accidents or when liability is unclear. This adjuster helps assess the situation, document the claim, and guide you through the process.

💡 Always follow your insurer’s instructions closely. Some may handle minor incidents remotely, while others dispatch assistance in person.

4. Exchange Information

Get details from all drivers involved:

• Full names and contact information
• Vehicle make, model, and plate number
• Mexico insurance provider and policy number
• Photos of license plates and driver licenses

Also, take clear photos of vehicle damage, the surrounding area, road signs, and any visible injuries.

5. Be Careful With What You Say

Avoid making any statements that could be interpreted as taking responsibility for the accident. Let the authorities and insurance adjusters handle the determination of fault based on evidence and official reports.  Even a simple apology may be interpreted as an admission of liability under Mexico’s legal system.

Stick to the facts and answer questions from officials and adjusters accurately.

6. Keep All Documents Safe

Hold onto these documents:

• Insurance certificate and claim number
• Police report or officer’s information
• Photos of the scene and vehicles
• Any paperwork from towing or medical services

These records are essential for processing your claim and resolving any disputes.

7. Know What Happens Next

Depending on the nature of the accident:

• Your vehicle may be towed to a repair facility or impound lot
• You may need to visit the police station for a formal statement
• Your claim may be processed in Mexico or coordinated through your U.S. or Canadian agent

Ask your insurer about next steps, especially if you need temporary transportation, legal assistance, or medical care.

Why Mexico Auto Insurance Matters

U.S. and Canadian policies are not recognized under Mexico law. Without a valid Mexico auto insurance policy, you may be held personally liable for damages or injuries—and could face legal complications or vehicle impoundment.

Mexico insurance policies often include:

• Liability coverage (required by law)
• Vehicle damage or theft coverage
• Medical payments
• Legal assistance and bail bond support
• Roadside help and towing

📅 Always review your coverage before entering Mexico to ensure it matches your travel plans.

Final Tips Before Traveling

• Keep physical copies of your Mexico insurance, driver’s license, registration, and passport in the vehicle
• Have emergency numbers (insurance claims line, roadside assistance, U.S. embassy) written down
• Review your policy to understand coverage limits, exclusions, and claims procedures