If you're an American citizen about to drive your car in Mexico, be absolutely sure you are in compliance with the law before you decide to cross the border. In terms of motor insurance, that means getting a temporary policy from an insurance company recognized and licensed by Mexico. Like it you aren't, your U.S. car insurance isn't any good south of the border -- not even if you are just going to Tijuana for two hours of shopping before returning.
A large amount of everyone is confused by this because of the fact they can drive their vehicles in Canada without separate insurance. But Mexico isn't Canada. While the U.S. and Canada have a very reciprocal insurance arrangement where both countries recognize plans through the other, Mexico as well as the U.S. haven't any such agreement. As such, your American auto insurance means not even attempt to a Mexican police or accident victim. Without the proper insurance you're likely to be in trouble.
Potential Criminal Action
Too many U.S. citizens take this matter lightly because they don't understand Mexican law. According to Texas Christian University plus a amount of other sources, Mexican law treats all automobile accidents as potential criminal violations. No crime might have actually been committed, nevertheless the presumption that one could are already is obviously applied. A thorough criminal investigation follows regardless of how minor the accident. That means if you haven't any valid Mexican automobile insurance it will be discovered rapidly. You could be fined, thrown in jail, or both.
Knowing the seriousness of the consequences would it be worth the risk of potentially through an accident without right insurance? Probably not. And even in case you are not mixed up in accident, you can still face fines and incarceration should you be pulled over at some kind of roadside stop and located without right insurance. Cheap automobile insurance for driving in Mexico is readily available; there isn't any reason to cross the border with out them.
Purchasing a Policy
If you're planning to drive in Mexico you've got two basic choices for acquiring insurance. The first option is to complete an online search and purchase a policy before your departure date. This is the simplest way to complete it as it provides you with the opportunity to look around and make certain you realize that which you are getting before you purchase an insurance plan. There are plenty of insurance firms offering cheap car insurance from Mexico all across the net.
If it isn't really possible for you to definitely get a policy beforehand, there exists a good selection of motor insurance agencies in border towns throughout the South. You'll even find many of them who have setup shop in a block or two in the crossing. These "drive in" insurance providers specialize in cheap Mexican auto insurance for American drivers.
The obvious disadvantage to this type of policy is that the insurer knows you just aren't planning to go shopping down and up the trail. That gives them the opportunity to overcharge you or give you a policy that's inadequate. If you're going to make use of this method make sure you get your entire policy documents printed in English. That may end up being the only proof that you just purchased that which you thought was adequate insurance. If it's discovered the insurance plan is inadequate the Mexican government and the insurance provider should work that out among themselves.
Whatever you are doing, don't assume you are able to cross the border with the American insurance policies. No matter what your insurance provider notifys you, your policy will never be recognized in Mexico.
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