Support + Mexico Auto

What does Mexico Auto Insurance Cover?

When you cross into Mexico while driving your car your U.S. auto insurance can not legally help you prove your financial responsibility in Mexico. When you have auto insurance with a Mexican insurance company, you have the proper insurance evidence to show authorities, and the financial capability to pay damages to third parties. Depending on the policy you purchased, you may also have coverage for damage to your vehicle, total theft or vandalism, medical payments for the driver and passengers, legal aid, bail bond or roadside assistance.

What do the California and Arizona Departments of Insurance say about Mexico Auto Insurance?

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."

What is the financial responsibility regulation in Mexico?

When driving in Mexico, if you are involved in an car accident, you are required to prove your financial responsibility at the scene of the accident. This is true throughout Mexico, however; the legal requirement for limit of liability varies by state or sometimes municipality. Because of the differences in the limit of liability for different territories within Mexico, most U.S. citizens feel more comfortable with higher limits, especially if they own homes and/or businesses.

My U.S. Auto Insurance covers me in Mexico, do I still need a Mexico Auto Insurance Policy?

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.

What types of vehicles do you cover?

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.

Can my vehicle be repaired in the United States?

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.

What is a liability-only policy?

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 should with only the liability coverages do not cover collision or total theft losses to a covered vehicle. It is important to understand that many Mexican 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.

What is a full-coverage policy?

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).

How are claims made?

Making a claim on a Mexico auto insurance policy is much the same as the process you use with your U.S. insurance carrier. If you have a loss you need to report the loss immediately and the claims adjuster will begin the process of investigating the loss. If you vehicle requires repairs, you can work with the claims adjuster to setup an appointment with a shop so the repairs can begin (if you have physical damage coverage purchased). It is important to remember, when you have a accident in Mexico, the CLAIM MUST BE FILED IN MEXICO BEFORE RETURNING TO THE U.S.

If I'm financing or leasing my vehicle, can I take it into Mexico?

If you are financing or leasing your vehicle, generally it is acceptable to take you vehicle out of the county. However, this is controlled by your lease of finance agreement. You should first contact your lender or the leasor of the vehicle and see if this is permitted under your contract terms.

Does my Mexico Auto Insurance Policy cover me when I drive off-road?

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.

Are other drivers covered under my Mexico Auto Insurance Policy?

It is always best to list all drivers who will be operating your vehicles while in Mexico. However, If you have a policy with a specific vehicle listed, then other drivers may be covered as long as they have a valid driver's license on their person.

Can I change my policy?

Yes. You may change you policy prior to the policy effective date by calling us at (949) 768-4045 Monday-Friday 9am - 5pm Pacific time.

How do I cancel my policy?

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

Am I covered in an uninsured motorist runs into my vehicle?

If you purchase a full coverage policy (covers collision and theft) and an at-fault uninsured motorist hits you, your policy will cover damages to your vehicle and medical payments for you and your passengers up to the stated limits on the policy. A liability-only policy will not cover any damages to your vehicle, but you will have the stated limits of medical payments (does not apply to motorcycle policies) for you and your passengers.

Do you offer coverage for motorcycles?

Yes, if you purchase a motorcycle policy. If you are looking for collision coverage for your motorcycle, we are able to offer coverage for most bikes. Medical payments for drivers and passengers are not covered.

Does my Mexico Auto Insurance Policy cover personal items in the vehicle?

No. Personal items may be covered by your homeowner's or renter's insurance policy. Generally these types of policies offer worldwide coverage. Contact your carrier for details.