Mexico Insurance – Problems Experienced by Mexico Travelers

Mexican Insurance Store has issued a report on the top legal and insurance related problems experienced while driving on vacation in Mexico. Unlike the law in the U.S., in Mexico the assumption of guilt prevails over the assumption of innocence. The penalties for not having insurance while traveling in Mexico can be severe.

Common Legal / Insurance Problems:

1. Not Having Mexican Insurance.

U.S. and Canadian auto insurance is NOT recognized in Mexico. Vacationers that don’t have Auto Insurance in Mexico and have an accident may spend many hours or days in jail and have their vehicle confiscated.

2. Buying Insurance with services that are NOT Valid in Rural Areas

Some services have fine print that says that they are provided in only “the major cities of Mexico”. Most of Mexico is rural and many vacationers travel far from major cities. It is important to read the fine print of the insurance contract.

3. Not Having Mexican Emergency Medical Assistance Coverage

Most U.S. health insurance is not valid in Mexico.

4. Not Having Insurance for Friends and Family

Don’t forget to get coverage for your traveling companions.

Mexican Insurance Store offers a package deal that includes insurance needed while traveling in Mexico.

– Auto Insurance with services good in cities and rural areas.

– A minimum US $20,000 in Legal Assistance & Bail Bond.

Additional information:

All claims must be reported to an authorized insurance adjuster or claims service center before leaving Mexico. Failing to do so subjects the claim to denial by the Mexican insurance company.

Mexico auto insurance policies are null and void if the driver responsible for an accident is under the influence of drugs or alcohol.

We recommend purchasing electronic policies which reach insurance companies more quickly. “Paper generated” policies often take days to reach Mexico before any official document is available to your Insurance Company. Claims are handled more efficiently using this process.

Many paper generated policies sold in Mexico & the USA also come with additional add-on fees.