Around 20 million Americans travel to Mexico every year, and many of them drive. Here’s what you need before you cross the border:
Auto insurance liability laws in Mexico are often described as “guilty until proven innocent.” Typically, when an accident occurs in Mexico, both parties are put before a judge to determine fault and financial responsibility. If you don’t have Mexican car insurance to cover the damages you’re responsible for, you go to jail—and no one wants to spend their vacation in a jail cell.
If you’re taking a road trip into Mexico, make sure your vehicle is covered. Even though you have insurance here at home, you’ll need Mexican auto insurance for your U.S. registered vehicle.
No U.S. insurance company can adequately provide Mexican car insurance to cover you while driving in that country. You’ll need to purchase a Mexico tourist auto policy from a licensed Mexican insurance company before crossing the border.
But what if you aren't driving into Mexico but renting a car once you're in the country? That requires a different set of preparations. The rental agency will likely offer you insurance coverage options. Understand what’s covered. Also, check with your credit card company. Your card’s benefits may cover physical damage and theft—but be aware, you may still need liability coverage in Mexico.
Fortunately, companies like MexPro can help you find the coverage you need. All of their Mexico insurance policies are through A-rated carriers. You can get a quote in minutes and you won’t have to worry about carrying Mexican car insurance when you should be enjoying time in the sun.
At Dairyland, we feel strongly about your safety, and we promote that through our defensive driving discount. Check out what you might be able to save today.
Also, make sure you have the coverages you need on the road.