Do You Need Travel Insurance for Mexico?

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So, are you all set for your Mexico trip? Chances are high that you have already found answers to common questions like:
Is Mexico safe for families?
What are the must-visit places in Mexico?
What are the famous food-joints in Mexico?
And perhaps, what are the best beaches in Mexico?
But there is one subject that you probably haven’t put much thought into – do you need car insurance for Mexico?
Fret not. You are not alone. Most Americans do not give much attention to these aspects while driving into Mexico and land in trouble.
Why Car Insurance in Mexico is Necessary?
If you are an American traveling in Mexico, it is important to understand that your American auto insurance policies are not recognized in Mexico. This means that if you get into an accident in Mexico, your American car insurance will not cover you for the damages caused.
The result – you might get arrested by Mexican authorities, and your car might be impounded until the matter is resolved. What’s more, the discussion could be in Spanish, and all this drama ruin all your vacation plans.
Thus, it makes sense why you should get your own Mexican car insurance policy to have a stress-free vacation.
How Can You Buy Mexican Car Insurance?
Buying Mexican car insurance is simple and pretty much the same as buying an American one. Your car insurance company in Mexico will ask you various questions like:

  • The make and model of your car
  • How long you are in Mexico
  • Your age
  • If you plan to tow anything
  • The value of your car
  • Where do you plan to drive in Mexico

You might also be able to add additional endorsements like rental car insurance, roadside assistance and other related coverage to your insurance policy.
How Do You File a Claim?
In the case of an unforeseen event, like in an accident, you can file your claim. Here is what you need to do:

  • Call at the helpline number provided by your insurance policy provider to file a claim.
  • The company will then assess the extent of the damage by sending an adjuster to the scene.
  • You are also required to file a police report.

To ensure flawless execution, it is highly recommended to cooperate with your car insurance authorities and provide them with all the details and paperwork that they need.
Car Rental Insurance in Mexico
If you rent a car in Mexico, you must have insurance. The same laws apply to car rentals as they would to a car you owned.
The good news is that you can buy car rental insurance from all major car insurance providers. Although getting regular coverage is essential, it is highly recommended to buy the Collision Waiver as well. This portion will cover the cost of physical damage or car theft while you travel.
The Next Steps
As is evident, if you are in Mexico, getting Mexican car insurance is a must. To learn more, contact us today.


Before you go...

Did you know our insurance partner, Baja Bound, has over 20 years of trust in the Mexican insurance industry? Get great insurance coverage in less than 5 minutes and see why they have so many happy customers.

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SmartGringo thanks you for being awesome, you are being redirected to our exceptional insurance partner, Baja Bound.  You'll be able to get your insurance online through them, and they're around in case you have any questions.   The agents there love insurance and LOVE Mexico!