You may think that with your US auto insurance, you are covered when you cross the border into Mexico.Here are a few facts you must know before travelling to Mexico:

  • Traffic accidents in Mexico can be considered a felony.
  • In the event of an accident, Mexican authorities will demand proof of financial responsibility and may not accept an American insurance policy.
  • Drivers may be detained by the Mexican authorities at the scene of an accident if they do not have proper documentation.
  • Vehicles can be impounded at the scene of an accident and kept until authorities determine what happened.

If you're traveling to Mexico, you must have proper insurance coverage not only to meet Mexico's legal requirements but also purchase peace to mind. You may rest easily knowing that you're taken care of by someone you trust.All of the above and much more can be avoided with proper Tourist Auto insurance coverage as Border Solutions and help from a recognized Mexican carrier such as Zurich Mexico which is a Farmer's sister company.

If you're preparing for an upcoming vacation road trip to Mexico; one of the most important things to consider is Mexico Auto Insurance. Now with Border Solutions Online, you can quote buy a Mexico Auto Insurance policy from any Farmers Agency in Arizona,California, Illinois, Nevada, New Mexico or Texas, just select your Farmers Agent and get a quote. Get peace of mind for your upcoming trip, with Border Solutions Online you can quote & buy your Mexico Auto Insurance Online.


FAQ’s


Q: Why do I need Mexican insurance?

A: Mexico does not have compulsory automobile insurance. The basic difference between Mexico's and United States financial responsibility law is that anyone involved in an accident in Mexico must have the means to respond to damages or injuries for which they may be responsible which in Mexico would be in the form of either cash or a Mexican insurance policy.

Q: Does the U.S. insurance policy cover in Mexico?

A: Before leaving home, you should inquire if your U.S. or Canadian insurance policy will cover damage suffered by your vehicle in Mexico. Ask if the policy has restrictions or limitations in regards of number of miles from the border or number of days in Mexico. Once you have familiarized yourself with your own auto policy and the extend of its coverage in Mexico, you can then proceed to create more qualified decision towards your Mexican insurance needs. However, Mexican authorities do not recognize the liability coverage on your U.S., or any other non-Mexican automobile liability policy. Only a Mexican automobile liability policy is acceptable evidence of financial responsibility. Therefore, it is strongly recommended that Mexican insurance be purchased prior to entering that country. Some California issued policies do extend limited physical damage (comprehensive and collision) coverage on vehicles for a limited distance while operating in Mexico.

Q: How is the value of the vehicle determined?

A: Your local car dealer or your insurance agent should be able to help you determine your vehicle's value. The Kelley Blue Book of used cars values may also be used as a guide. Be sure to add those extras you want insured should you have a loss. Remember, our trailers and Cars are always worth more to us owners than they might be to someone else. We advise you not to under-insure.

Q: What if a have a loan on my vehicle?

A: If you have a loan on your vehicle or trailer, most lenders will require that they be furnished a copy of your policy indication that the unit is insured while it is in Mexican territory. Upon request, we will supply a "lien holder" copy of the policy naming your bank or financial institution as lender. Always make sure you allow enough time before your trip into Mexico to allow for the handling of paperwork.

Q: If I tow a trailer, boat or another vehicle, do I need to insure them?

A: No, but it must be listed on the policy with the towing vehicle, otherwise the towing vehicle's insurance could be voided in the event of an accident or loss.

Q: If I am borrowing a vehicle, will I need any special documents?

A: Yes, you should obtain a notarized affidavit or permission from the legal owner.

Q: What is Liability Only?

A: The liability only policy provides the minimum vehicle insurance required by the Mexican government. Included in this coverage is property damage caused by your vehicle, legal liability for injuries or death of persons not in your vehicle and medical expenses for you or other persons in your vehicle.

Q: What is legal Aid Coverage?

A: In Mexico, a traffic accident is considered a felony, it is possible that the authorities will detain you with your vehicle impounded, until they conclude their investigation. Legal Aid helps prevent this, with one phone call an attorney will come to your assistance and negotiate your immediate release as well as the release of the vehicle.

Q: What are some situations that are not covered?

A: Generally, it is not cover:

  • Vehicles with mexican plates (or rental vehicles from Mexico)
  • Drivers with Mexican drivers licenses
  • Full coverage on vehicles over 15 years old.
  • Vehicles while involved in a race or any kind of competition
  • Vehicles that are off-roading
  • Commercial use is not covered

Q: What happens if I have an accident?

A. All claims must be reported in Mexico to your insurer's adjustor/claims service center BEFORE you leave the country. Failing to do so subjects the claim to denial by the insurer.