Buying Auto Insurance for Baja & Mexico



Below, please find a brief description on Mexican auto insurance for those planning on driving into Baja California or mainland Mexico.


Why Buy Mexican Auto Insurance?
  • Insurance from a Mexican company is required by Mexican law in the event of an accident, even if you are not at fault.
  • A Mexican Insurance policy greatly reduces the chances that you will face jail time, and limits the financial burden you might come by after an accident.
  • A Mexican Insurance policy provides coverage for damage to your vehicle or its total loss.

Baja Car InsuranceUnder Mexican law, motorists are required to have insurance, or "proof of financial responsibility", in the event of an accident, even if you did not cause it. As a foreigner traveling in Mexico, the only way of demonstrating this financial responsibility is to have sufficient real currency to cover damages, or an insurance policy from a Mexican company. U.S. or any other non-Mexican insurance does not cover your liability for potential accidents, nor does it fulfill the basic requirement for insurance according to Mexican law.

Mexican Insurance FAQ's

1. What does Mexican auto insurance cover?
Once you cross the border into Mexico, your U.S. or Canadian insurance cannot legally help you prove your financial responsibility in Mexico. While a few major U.S. insurance companies cover damages to your own vehicle in Mexico up to a small distance south of the border (usually no more than 25 miles), they do not cover damages to other parties. In the event of an accident where you are at fault, Mexican insurance will instantly show authorities that you are able to pay damages third parties. Policies may also include coverage for physical damage to your vehicle, total theft of your vehicle, medical payments for the driver and passengers, legal aid, bail bond and roadside assistance. Partial theft (of vehicle parts) and vandalism are also available with some policies.

2. What is a liability-only policy?
A liability-only policy will cover damages you cause to third parties. Unlike a full coverage policy, liability-only does not cover physical damage or total theft of your vehicle. Our liability-only policies also include medical payments for occupants of your vehicle (except for motorcycles), legal aid and bail bond, and roadside assistance (for most vehicles). Keep in mind the majority of drivers in Mexico do not have insurance. If you purchase a liability-only policy and are hit by an uninsured driver, the policy will not cover damages to your vehicle.

Mexican Car Insurance - Bahia Concepcion, Baja

3. What is a full coverage policy?
A full coverage Mexico insurance policy covers physical damage and total theft (deductibles apply) of your vehicle. If you purchase a full coverage A full coverage policy also includes a liability limit to cover damages you may cause to third parties, medical payments for occupants of your vehicle (except for motorcycles), legal aid and bail bond, and roadside assistance (for most vehicles). Other benefits offered by the policies may include medical assistance, medical references, land medical transportation, air medical transportation, trip continuation assistance, and tourist information.

4. Does Mexican car insurance cover personal items inside my vehicle?
No. Personal items may be covered by your homeowner's or renter's insurance policy. Generally these types of policies offer worldwide coverage. Contact your carrier for details.

5. What information is needed to complete a policy?
To buy a Mexican insurance policy, you will need your driver's license, vehicle registration, U.S. or Canadian insurance information, and lien holder information (if applicable).

Thank you to Geoff Hill, Vice President, Business Development for Baja Bound Insurance Services, Inc. Mexican insurance information provided by Baja Bound Insurance Services.

Comments

Unknown said…
Hi Ted, I just found your blog! :)

It has tons of useful information!

Have you been to Sonora?

Greetings!
Baja Visitor said…
Hi Paulina,

Thanks for the comment. Yes, I have been to Sonora a few times. Puerto Penasco, Bahia Kino, San Carlos and Alamos. Loved it!
It would be helpful for those people who want to buy perfect auto insurance policy with reputably company . Arizona Auto insurance quote will save you money for future needs. It will also protect you and your vehicle.
Unknown said…
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When driving in Baja, be sure not to run into any utility poles. You could spend 2 nights in jail, as reported in "Lipstick On An Alligator" at http://robert-carolann.blogspot.com.
Unknown said…
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This comment has been removed by a blog administrator.
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Unknown said…
Thank you so much guys for giving such kind of information. This will assist me a lot. auto insurance quote
Anonymous said…
Awesome work! That is quite appreciated. I hope you’ll get more success.term life insurance
Anca said…
You can purchase it online in a matter of minutes. It is better than not having insurance – not having one is a liability itself. There may be a possibility that you may be prevented from leaving Mexico even if you will require medical care that might save your life.
Ashley Miller said…
Thanks for sharing this informative post! This would be helpful for those people who want to buy auto insurance in Mexico. But before you start looking for a car insurance company, you must understand what coverage you're looking for.
If you live near/in Wilmington MA and you are looking for a car insurance, you might want to consider consulting an agent from Marchionne Insurance about your insurance needs. They've been the best for me. I highly recommend them.
Unknown said…
Awesome list. This is very useful, especially to the beginning insurance blogger. Thanks for sharing and keep us updated!
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