subject: The Necessity For Mexican Car Insurance While In Mexico [print this page] When traveling in Mexico, it's important to recollect that the legal system is different than in the united states. Just like in the US the possibility exists of being entangled in an accident. The Mexican presidency treats these accidents seriously and under Mexican law, they are considered both civil and criminal offenses. It is interesting that most of us buy insurance on our vehicles, houses, and lives in the united states with a good deal of care and consideration ; however , when we visit Mexico, we appear to forget the necessity for this critical and legally needed coverage and very casually purchase Mexican car insurance at a drive-in agency at the border as a last minute decision. At about that point, sometimes a spur of the moment call can be a rushed decision and a bad decision.
There's a huge difference regarding Mexican car insurance policies and the types of electronic policies found around the world Wide Web. Paper policies, on the one hand, are done in the conventional way by agents in little insurance offices and mailed to Mexico thru the regular postal system. In other words, the agent fills out all the bureaucracy by hand goes to the post office and mails your policy to Mexico. Many agents, in order to decrease costs, don't mail anything until they can send 5 or 6 policies at one previous point, and that implies that your policy might be delayed for a few days and on top of this, it could take up to ten days for the batch to get past customs & reach the insurance company in Mexico town. When it finally does make it to the insurance company it must be processed and entered into their master computer database manually one at a time. Suspect the insurance company hasn't received evidence of your policy yet and you've an accident? And then to make matter much worse, it's a weekend and the majority of the insurance agency offices are closed.
In the U. S. and Canada the law is administered following English Common Law. In Mexico the law is administered primarily based on the Napoleonic Code. Generally this means that in Mexico you are regarded as guilty unless proven innocent. Technically a traffic accident is a transgression and the authorities will hold you till you produce a valid Mexican car insurance policy with legal aid coverage or pay for the damages that you are presumed to have caused.
unfortunately, the policies of the US and Canada aren't honored in Mexico.. An electronically made Mexican car insurance policy is made available to the personnel working in the insurance claims dep. twenty four hours from the time the insurance cover is acquired. This process authorizes a rapid reply and corroboration while you are enjoying your vacation.
Purchase Mexican car insurance before the trip. It is regarded as a felony to drive in Mexican without valid evidence of economic responsibility, and that proof of finance responsibility can only be supplied by a Mexican insurance corporation. An evidence of insurance card supplied by your united states insurance corporation will not be considered valid and that's no matter whether or not the accident will be covered by the insurer. Ensure that you have two copies of your Mexican car insurance certificate this is so that you can place the copy in your wallet or purse and the original in your auto or lorry, so that if your vehicle is taken you'll always have a copy of the Mexican car insurance documentation with you.
To wrap things up ensure that all your paperwork is valid, and you have 2 copies of everything. Purchase Mexican car insurance before going. Ultimately, enjoy your vacation. It could be the experience of a whole life, and the memories will last your whole life.
by: Chance Smith
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