Stan wiped the sweat from his brow, but not for the reason you’d think.
The daytime temperature outside Ensenada was in the 60’s. So what was it?
Well, the wreck involving his RV and a local’s truck might have had something to do with it. And despite not understanding the Spanish being used, he did recognize the anger.
Sirens blared as the police arrived on scene. As the officer strolled up, he pulled out the paper copy of his Mexico insurance.
“Well at least I did one thing right,” he thought silently to himself.
Are You Sure I Need Mexico Insurance?
Factoring in the amount of cars on the roadways, one can assume accidents will happen. Even the best drivers have probably been involved in a fender bender or two.
It’s one thing when you speak the native language and traffic laws are clear cut. But what happens when the scene shifts to another country?
The word “tourist” means you’re in unfamiliar territory, especially in the event you’re responsible for auto damage.
So to answer your question:
- As of January 1st, 2019 (at a minimum) you need third-party liability insurance on federal highways in Mexico
- US auto policies don’t help you once you cross the border*
*Although your auto policy may cover collision and comprehensive, any liability coverage won’t be recognized by Mexican authorities.
Differences Between the United States and Mexico
One point worth noting. Auto accidents are considered both a civil matter and criminal offense under Mexican law. This is a unique distinction most Americans aren’t aware of.
Mexico car insurance offers extra confidence if you’re at fault for the collision. Local judges preside over cases of this kind, so it provides two important layers.
- Ability to pay
- Legal assistance
With liability limits up to $500,000, being able to pay for any damages fosters peace of mind. It will put you in much better standing when in front of a judge.
Even if you’re fluent in Spanish, odds are you don’t understand the Mexican legal system. Our policies are underwritten by Chubb Insurance, who offer representation and guaranteed bail bonds. If it comes to that.
Tips When Purchasing Mexico Insurance
Our goal isn’t to create anxiety before you even start up your RV engine. In fact, we want to prepare you to enjoy an amazing vacation!
Policies come in the daily, 6-month, and annual variety. To make it easier on yourself, here’s two quick tips.
- Know the length of stay, stick to it, and purchase a policy that goes over the timeframe
- Plan your route and determine driving laws of the Mexican states you’ll pass through
Car insurance for Mexico isn’t complicated, and having certain information in hand ahead of time makes it even easier.
Write these down:
- Type of car you want to insure
- Car value
- What limits do you require?
- Are you towing anything?
- Any drivers under the age of 21?
- Where will you be driving?
- How long is your stay?
There. Told you it wasn’t complicated!
Especially if you plan to live for an extended period in Mexico, having the RIGHT policy is key. So ensure this is accurate and thought out.
Over planning commonly causes eye rolls from family members. But in the long run, it’s wisdom that ultimately leads to more enjoyment. This vacation is something you all have been looking forward to, so why not prepare accordingly?
To wrap up, we’ve relayed the reasons for acquiring this coverage. Additionally, some helpful tips were communicated. Now only one step remains.
Mexico Insurance Through RVInsurances.com
You want to enjoy a carefree adventure south of our border. And you’ll be halfway there once you realize the importance of a healthy layer of protection.
This extends beyond your RV to you and your family.
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 we provide 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. Licensed in many states, we stand ready to help with your RV insurance needs.
Get a free quote today!