Mexico Insurance needed for Travel to Mexico

Bill and Brenda are planning to retire in Monterrey, Mexico, which is in the northeast corner of the country near the foothills of the Sierra Madre Oriental mountain range. It’s beautiful, bustling city known for hot weather and international business. Usually when Bill flies in for business, he lands at the General Mariano Escobedo International airport and relies on taxis and car service through his employer. But when he retires next year, he and Brenda are driving down. They’re going to maintain their home in Illinois, go from two cars to one, and sell their investment properties. Next month, they’re making a road trip down to get an idea of what else they may need and to look at houses.

Jim has a car and is traveling down the California coast. The further south he drove, the more restless his traveling spirit pulled to head on down into Mexico. By the time he got to Los Angeles he was sure he wanted to keep going to Tijuana and to points beyond. Jim’s car insurance covers liability, fire, floods, theft, collision and total loss. What he doesn’t realize though is that none of this will matter once he crosses the border: his policy won’t cover damage that occurs in Mexico, including if he gets in an accident with another vehicle. 

Did You Know? An American driving a U.S owned and registered car over the border to Mexico will have to have Mexico Insurance.

Visitors and expats to Mexico must realize that their U.S or Canadian automobile coverage will not apply in Mexico. Additionally, Mexico is very strict when it comes to accidents involving uninsured drivers. In America an uninsured motorist will see a series of tickets and possibly face license suspension should they get caught. In Mexico an uninsured accident can quickly result in jail time. It is the law and they do not treat this lightly. Your policy does not extend coverage in Mexico. In order to be covered and in compliance, you must get a separate Mexican auto insurance policy that covers your vehicle. This applies to Cars, RVs, Trucks, Vans, SUVs, Boats, Motor Homes and Motorcycles. 

When traveling to Mexico you must obtain proper insurance to:

• Obey the law. In the event of an accident you can be found criminally responsible or at fault if you do not have proper Mexican insurance.
• Protect yourself from loss. Theft, damage, or vandalism to your vehicle is not covered under your invalid U.S policy.

Because insurance fraud and scams can be frequent, it may be intimidating to know where to get reliable Mexico Insurance for your car, motor home, boat, or motorcycle. Illinois Insurance Center is an established and professional agency that can offer you affordable coverage in both the U.S and Mexico. Contact us to get more information, a great quote, or to speak with someone who can reassuringly walk you through this process and meet your needs.