Avoid the delay and confusion of purchasing your Mexico auto coverage at the border. Mexico does not recognize auto insurance arranged by US insurance companies.
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WHAT IS MEXICAN INSURANCE ……more info
Many people drive into Mexico for business, as well as for shopping and vacations. It’s important to understand, however, that Mexico’s laws treat auto accidents differently from California laws. A person driving into Mexico needs Mexican auto liability insurance because a regular California liability policy will not cover in Mexico.
In Mexico, drivers can be held both criminally responsible and financially liable for accidents they cause. If anyone is injured, police may detain the drivers while they sort out who caused the accident.
People who have accidents must either have liability insurance recognized by the Mexican government or prove they have enough money to pay any claims against them.
Mexico does not recognize auto liability policies issued by U.S. or Canadian insurance companies. However, a driver can buy liability coverage from authorized Mexican casualty insurance companies before entering Mexico. These companies also can provide physical damage insurance for the car.
It is also important to know and remember that under Mexican law, a person’s liability insurance with a Mexican casualty company can be voided if he has an accident while under the influence of alcohol or drugs.
Three different policy add-ons, called endorsements, are available to extend a person’s California auto policy into Mexico on a very limited basis. Again, it is important to recognize that Mexican authorities will not recognize the liability portion of a California policy, even with these endorsements, if the driver has an accident.
When driving to Mexico, a California driver should be sure to take along his car’s title or other proof of ownership, personal identification, such as a driver’s license, and proof of citizenship, such as a passport or voter registration card.
Mexican border crossing officials usually do not ask for proof of Mexican liability insurance, but it is a good idea to have it in the glove compartment just in case.
A person driving deeper into Mexico than the free trade zone near the border is required to get a temporary importation permit for the car. Those planning such a trip should consult with officials at the nearest Mexican consulate about his requirement before starting a trip.
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