Mexico Insurance

Vacations in Mexico are wonderful! And when you take a car, motor home or any other vehicle into Mexico you want to be sure to have insurance that covers all your needs.

It is the law in Mexico that you carry proof of liability from a Mexican domiciled insurance company. Some U.S. insurance companies will extend their comprehensive and collision risks within a certain distance of the border but this coverage does not satisfy Mexican legal requirements. At minimum, you need "Liability Only" Mexico insurance coverage. In Mexico if you are involved in an accident and fail to show proof of liability you can be detained and your vehicle impounded.

Liability Insurance:

Liability in Mexico (liability coverage is a part of all homeowners, auto, commercial property policies, etc.) is determined by Civil law and is based on limits defined by Mexican Statute. Depending on your view of things, this is either a brilliant system or an antiquated one. I like it. Claims for pain and suffering and emotional distress are virtually unheard of and claims for Property damage to others and bodily injury to others are settled on an "actual loss" basis, guided by statute.

Personal injury lawyers, as we know and love them in the US, do not exist in Mexico. Therefore, liability limits and claims exceeding $100,000 are rare. It is more likely to have a "Property Damage to Others" liability claim that approaches this limit (damaging someone else's new Chevy Suburban, valued at $55,000 for instance) than it is to have a "bodily injury to others" liability claim that approaches this limit (damaging the occupants of the Suburban, for instance). It is almost the exact opposite of how claims are settled in the US.

To Request A Quote For Mexico Insurance

or send us an email at info@aaic.us!