Mexican Car Insurance Things You Need To Know

Mexican car insurance is very different from the car insurance Americans normally purchase in the United States

. For one thing, Mexican insurance covers only what is stated specifically in the policy. Therefore, if the policy states it covers full theft of your car, it will only cover losses resulting from someone stealing your car. As an example, it will not cover someone breaking into your car and stealing the radio.

In addition, before buying your Mexico auto insurance online, consider where the insured vehicle is registered. Mexican car insurance does not cover vehicles registered in Mexico. It strictly covers vehicles registered outside of Mexico.

Keep in mind, if you are involved in an accident while on vacation in Mexico, even with the proper Mexican insurance, you will still be detained or incarcerated after the accident. By Mexican law, an automobile accident is a penal offense, and as such, is subject to a criminal investigation. To prevent suspects from fleeing (especially if the suspect is a foreign national) Mexican officials detain them in a holding cell until the investigation is complete.

If you are traveling in the Baja area, purchasing Mexico auto insurance online specifically from a Baja insurance agent will also offer you the added benefit of bail bond services. Should you be involved in an unfortunate accident, the availability of legal assistance and bail bond service can make the ordeal less stressful and confusing. Once the investigation is complete and you are on your way again, you will be happy you thought ahead and purchased Mexican insurance before leaving home. Whether your U.S. auto coverage pays the damages or your Mexican car insurance does, having insurance from an agent in Baja, or wherever you stay in Mexico, will make for a safer, less stressful vacation experience with or without an accident.

by: Gary Nichols

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