Mexico Auto Insurance

Understanding Mexico Auto Insurance When Traveling

Living in southern California offers the rare opportunity to be located next to the beautiful country of Mexico, which has many exciting vacation and day trip opportunities for those living nearby. Since the Mexican border is easily accessible for folks living near the border, many people wonder how to best prepare for their trip and what requirements are needed when driving down south. If you live in and around the area of San Diego, California, and have questions about driving in Mexico, Windfall Insurance Services Inc. can help. Read on to learn more about Mexican auto insurance when traveling.

How Does Mexican Car Insurance Work?

If you are a United States citizen and plan on driving your vehicle in Mexico, you will need to get a separate Mexican auto insurance to help protect you and your automobile. It is important to note that your U.S. auto insurance policy will not be valid in Mexico, and you will not be covered. Mexican auto insurance offers many different types of coverage, such as liability insurance and coverage against any other types of potential costly legal trouble while being out of the country. It is intended to help protect your vehicle against any damages sustained, it can help you in the event that you have car trouble or breakdown, and it can help keep you and your passengers out of legal trouble.

How Much Does Mexican Auto Insurance Cost?

Purchasing a temporary Mexican auto insurance plan is less expensive than a standard United States policy, and the total cost will depend on many factors, including what types of coverage you need, the coverage limit amount that you choose, and the length of time you will need the policy. If you travel to Mexico frequently, there are also annual insurance policies available. The cost of a Mexican auto insurance policy can range anywhere between five to forty dollars per day. Please keep in mind that it is more affordable to obtain Mexican car insurance before your trip; if you wait to purchase it at the border, it will be significantly more expensive.

What Does Mexican Auto Insurance Cover?

A typical Mexican auto insurance policy will usually cover the following:

• Physical and collision damage – Whether you are found at fault or not for an accident, this type of insurance coverage will pay for any damage caused to your car by a collision or other type of damage, such as hitting an animal or a tree.
• Liability – This type of insurance is required in Mexico, and helps to protect against any damages that you, the driver, may cause to someone else’s property or another person while driving.
• Legal services – This type of coverage will help to cover legal costs to bail you out and defend yourself in court if foreign authorities deem that you are responsible for causing an accident.
• Theft or fire damage – If your vehicle is damaged or sustains fire damage, this insurance will protect against those variables.

If you live in San Diego, California, and have questions about Mexican auto insurance, contact Windfall Insurance Services Inc. today for a consultation.