subject: If You Are Journeying To Mexico Then Purchase Mexican Car Insurance [print this page] When going to Mexico this year make sure that you get Mexican car insurance before the trip. It is considered as non-mandatory by some, but is shouldn't be considered optional by you, and I will tell you why.
Some people consider insurance coverage within Mexico optional because they will only be traveling a short distance into the country. Their debate is twofold : First that their present insurance carrier provides insurance cover within a limited distance inside of Mexico, usually that distance is limited to twenty five miles ; and second, that they won't leave the Free Zone, and therefore are not needed to obtain a short lived car importation permit. With no regard for the validity of these two disagreements I still encourage everyone to obtain Mexican car insurance.
with respect to the 1st debate, that the U. S. or Canadian carrier makes provisions for coverage inside a limited distance within Mexico, this may very well be true, but it is beside the point. Allow me to explain. Yes, there are a few insurance corporations that may provide insurance inside Mexico, and yes, that is generally restricted to a distance of 25 miles, but it is of no consequence and here is why. Your insurance company won't supply the Legal aid coverage that isn't required by Mexican law that you carry, but you would be insane not to have.
Legal aid coverage will pay for defense costs, court costs, and court bonds, in the case that you are charged with a crime in Mexico. A criminal act in Mexico could be something as straightforward as running a red light and causing an accident. If you do cause an accident in Mexico, due to your negligence then most probably you will be banged up till you can supply payment for the damages caused. In Mexico, payment must be received before you'll be allowed to leave the jail. Your insurance firm has each right to research the legality of the claim and then to choose whether or not to make a payment for the accident, and this process can typically take from two to three weeks. This is 2 to 3 weeks of your life in a Mexican jail, because you won't get out until they get a check and that check clears the bank.
With regard to the free section yes, it is legal to drive in Mexico without the vehicle importation permit, while in the free section ; 1 you do not have to buy the insurance. My above eventuality still applies. You can only get Legal aid coverage by getting a Mexican car insurance policy.
Don't go to Mexico without it. It just doesn't make any sense.
by: Chance Smith
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