CAR INSURANCE FOR MEXICO FREQUENTLY ASKED QUESTIONS

• Do I need a passport to cross the border?
• Why do I need Car Insurance for Mexico?
• Does my U.S. insurance policy cover me in Mexico?
• What is “Liability Only” Car Insurance for Mexico?
• How is the value of my vehicle determined?
• What forms of payment are accepted?
• What is covered on a Car Insurance for Mexico policy?
• Are claims paid in U.S. dollars?

Do I need a passport to cross the border?

After a result of legislation by the U.S. Department of State and Immigration Customs Enforcement (ICE) citizens returning to the United States from Canada or Mexico by land or sea do not have to carry U.S. passports until June 2009. However do not delay in getting a passport. Also they are working on getting a Passport Card that will fit into your wallet.

 

Why do I need Car Insurance for Mexico?

U.S. or Canadian automobile liability insurance is not valid in Mexico nor is most collision and comprehensive coverage issued by U.S. companies. If you do not have Car Insurance for Mexico and are involved in an accident, you'll be taken into custody until it can be determined who is liable and whether you have the ability to pay any penalty. If you do not have Car Insurance for Mexico, you may be prevented from departing the country; even if you require life-saving medical care. Drivers may also face criminal charges if injuries or damages are serious.

Does my U.S. insurance policy cover me in Mexico?

Some policies may cover your vehicle for physical damage; however the Mexican Authorities do not recognize any policies unless it is a valid Mexican Car Insurance Company. You must have a minimum of liability Car Insurance for Mexico in order to be covered

What is “Liability Only” Car Insurance for Mexico?

A Liability Only policy provides the minimum vehicle insurance required by the Mexican government. Included in this coverage is property damage caused by your vehicle, legal liability for injuries or death of persons not in your vehicle.

How is the value of my vehicle determined?

Your vehicle’s value is based off of either Kelley Blue Book or Nada. It can sometimes be referred to as ACV or Actual Cash Value. Our advice is to make sure when purchasing Car Insurance for Mexico is not to underinsure your vehicle.

What forms of payment are accepted?

Our Car Insurance for Mexico policies can be purchased using Visa, Mastercard, American Express and Discover

What is covered on a Car Insurance for Mexico policy?

We offer coverage through two Mexico Underwriters Genworth Seguros and ACE Seguros. Both of these companies are rated A or better by AM Best. All of our Mexican Insurance policies include:.
• Collision and Glass Breakage
• Fire and Total Theft
• Property Damage Liability
• Bodily Injury Liability
• Medical Expenses
These are a summary of coverage’s on most Car Insurance for Mexico policies, however additional coverage is available. Click on the Mexican Underwriter above for coverage information.

Are claims paid in U.S. dollars?

The Mexican insurance company settles all insurance claims in U.S. dollars from their claims offices in Mexico. Also any repairs can be made in the United States.