What To Look For In A Mexican Auto Insurance Policy
Millions of Americans and Canadians head south to Mexico with their vehicles each year
. Mexico's warm climate and diverse landscapes makes it a great destination for road trippers, RV campers, families and couples. Driving your car or RV through Mexico can be a great adventure, but it is important that you are properly prepared.One of the most important parts of your road trip to Mexico is acquiring auto insurance to cover you and your vehicle while you are in Mexico. You can check with your current insurance company to see if they offer any coverage for you in Mexico. Most companies do not, but some do offer partial liability. Chances are that you will need to get a Mexican auto insurance policy to be completely covered. Not all of Mexico's auto insurance companies are the same so you need to be careful when choosing a provider. Here are some general tips to consider when getting car insurance in Mexico.
Shop around for Mexico car insurance before you go. Don't wait until you get to the border to get a Mexican auto insurance policy for your car. There are many online companies that can give you quotes before you go, allowing you to shop around and find the best deal for your vehicle.
Check to see what exactly the Mexican policy covers. Not all Mexican car insurance companies are the same. Some offer exceedingly low rates for their policies. Though it may seem like a good deal at the time, you may find yourself under covered in the unfortunate event of an accident. Likewise, some companies offer policies that are overpriced, and not worth the extra money. If you start your search ahead of time, you should be able to compare policies and find out which companies offer the best insurance policies for your car in Mexico at the best price.
Buy insurance that is underwritten by a solid Mexican insurance company. If you buy at the border, you will be buying insurance from a broker, hopefully a licensed one. People often make the mistake of thinking that the broker is the person with whom they will be dealing if they need to make a claim. This is not the case. The broker is merely the one selling the policy; claims are made through the insurance company itself. Make sure you know who you are dealing with, since not all Mexican auto insurance companies have the same reputations.
It is important to get a Mexican auto insurance policy for your vehicle if you are planning on driving it in Mexico. Canadian or American insurance will not fully cover you in the event of an accident. In Mexico, the law is that you will go to jail in the event of a serious accident until the blame can be assessed. If you are not properly covered you can end up in serious trouble.
Fortunately there are many outstanding Mexican auto insurance companies out there that cover the vehicles of hundreds of thousands of happy vacationers each year. As long as you are properly prepared, a road trip to Mexico can end up being your best vacation yet.
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