If you are traveling from Canada or the USA to Mexico you should know about Mexico’s insurance policies before bringing your car to Mexico. Many people find out the limitations of their policy before it is too late. USA and Canadian car insurance policies are invalid in Mexico. If you get involved in an accident, the police will detain both of you and your vehicle. If you are found at fault and injuries have been done, then you are responsible for paying for the medical expenses and financial support for the individual and the family until they recover. This is the main reason you should purchase a Mexican insurance policy from a company that is eligible to do business in Mexico.
People traveling to Mexico should buy auto insurance in advance for better rates. You can also buy insurance from vendors that are doing business near the Mexican border, but the rates there are usually more expensive. It is also difficult to judge the prices and policy terms when you are purchasing at the border especially when you are at a hurry.
How to Find the Best Mexican Insurance for Canadians driving to Mexico
The best option to find Mexican insurance companies is by searching online. You will find hundreds of companies that are giving Mexican insurance at the best price. You need to check their reviews and whether they have chat support or number on their website so you can call them in case of an emergency. To verify that the company is trusted check their reviews and find out their contact support number to make a phone call. You can check out the best sites online like Mexican Insurance Store to if you want to purchase an insurance policy for your Mexican travel.
What to look for a Mexican insurance plan
Like Canadian law, liability coverage is the minimum insurance in terms of Mexico law. Liability insurance will only cover minor cases, not major accidents. If the accident is severe, usually the liability coverage will not be enough. When searching for a Mexican insurance plan, look for one with additional features such as:
- Third-party (Civil) Liability
- Approved claim adjusters located in Mexico
- Roadside assistance
- Medical and Travel assistance
- Medical Expenses for Drivers and Occupants
- Partial Theft Vandalism
- Urgent Message Services
Additional policies you may need to check:
- Maximum numbers of passengers effected in an accident
- Monetary limit covered by the policy
For short trips in Mexico, most Mexican insurance companies will provide you with daily, weekly, monthly or annually coverage. Before making a purchase, make sure to check if your entire stay will be covered in the policy you choose. In most cases the longer the policy, the cheapest it will be.
Proof of Mexican insurance Policy while in Mexico
Similar to the proof of Canadian insurance, you will also need a valid proof in the following form from your Mexican insurance provider.
- An authentic and recognizable Mexican insurance policy
- Instructions on what to do and after the accident
- A detailed list of contact number (24 hours availability)
- Proof of payment through payment receipt
You should also keep a driving license with these things when traveling to Mexico. These were the most important things to take with you when planning your journey to Mexico.