Miles ticked by on the dashboard, but Steve could have cared less as the warm air washed over his arm which was hanging out of the RV window.
Presently, they found themselves three and a half hours southeast of the border and nearing their final destination, the Reef RV Park.
Lost in the thoughts of all the fish he planned to catch, he didn’t notice the passing car speed by on his left. A honking horn from a semi-truck coming the other way startled him back to reality.
The passing car swerved into his lane, causing him to go off the road to avoid an accident. His large RV bumped over a large rock, blowing out a tire and heavily damaging the wheel axle.
Everyone was safe, but he silently wondered if he had enough coverage for the repairs to come.
By the end of this article, our goal is to give you peace of mind if you find yourself in this or similar situations.
Why You Need Mexico Insurance
Steve was lucky, because he’d made sure he had ample Mexico auto insurance coverage before heading into the beautiful country of Mexico.
But for many residents of both Canada and the United States, they don’t fully understand what’s expected of them when crossing the border and find themselves in situations that could have been avoided.
According to the Department of State, your U.S. driver’s license is valid in Mexico. But when it comes to your auto or RV insurance policy, it’s important to know that most are extremely limited or even invalid there.
Especially if your trip takes you far beyond the Border Zone, which ends about 12-16 miles from the northern Mexico border, you’ll need some additional paperwork besides your license.
- FMM tourist visa (if in country over 72 hours)
- Mexico auto insurance
- Copy of title or registration on vehicle
Financed vehicles need a letter of authorization from the lienholder to take it into Mexico, which is necessary in getting a Temporary Importation Permit (TIP). Leased cars just need a copy of the contract.
It’s a good idea to make sure you check off these areas once you know the actual dates you’ll be traveling. Paperwork takes time to process, and the last thing you need is to have your trip cut short before you even smell the ocean.
For a list of other essentials to pack, we’ve written a blog that is worth checking out!
Additional Requirements for Mexico Insurance
Now that you’re aware that you must have auto insurance in Mexico, it’s important to hone down a bit more into the details so you get the most value from your purchase. So we’ll start with a natural question.
What is Mexico’s requirement for auto liability insurance?
South of the border you must have at least basic liability coverage. Since there aren’t a lot of places to have your RV repaired once you cross over, it can be wise to increase the amount of coverage if your budget allows it.
Because you must purchase this coverage from a Mexico domiciled insurance company, it’s worth noting we’ve fit this description for over two decades.
Especially for first time visitors to the country, there may be a false image that it’ll be easy to find a repair place for their RV or auto in the event that issues arise. The reality is that although there are auto repair shops, RV specific businesses aren’t as prevalent.
Because of this, it’s wise to have a complete roadside emergency kit along to make repairs yourself. This extra boost of confidence will ultimately free you and your companions up to have a more enjoyable time.
You may be asking yourself, do I need extra auto insurance if I spend six months in Mexico? The answer is “most definitely,” which is why we offer policy durations of:
- 6 month
We know your length of stay may vary, so this flexibility allows you to tailor your policy. Premiums are paid at the time of purchase, and you can choose to start coverage immediately or at a later date.
We’ve outlined the various Mexico tourist auto insurance coverage options you have below.
RVInsurances.com and Mexico Auto Insurance
For over 20 years we’ve been the go-to Mexico Auto Insurance provider for countless visitors to the gorgeous landscapes offered by our neighbor to the south. Our goal is to allow you to get the most pleasure out of your next RV or auto trip!
RVInsurances.com founder, Marty Adair, has been a licensed Property and Casualty Broker since 1997. He started his insurance career working in his family’s insurance business where they specialize in Mexico tourist Auto Insurance. While assisting customers with their Mexico Insurance policies he realized there were large groups that travel to Mexico in their high valued RVs to vacation. It soon became apparent that there was a need for specialty RV insurance that would extend coverage across the US and Mexico border that could save his RV clients thousands of dollars per year.
Today RVInsurances.com provides the best possible service to the RVING community. We are a full service insurance agency specializing in full-time and part-time RV enthusiasts. We represent the top rated RV specialty insurance companies in the nation to provide the best possible policy for the right price. We are licensed in many states to help with your RV insurance needs.
Call us at 1-844-727-7207 for a Mexico auto insurance quote!