Monday, March 17, 2014




Welcome!
This page will give you basic information about the OFFICIAL COVERAGE, for Your Mexico Adventure. Obtain Mexico Auto Insurance Here, select the coverage that best suits your needs, pay for your policy, and print it from your computer, all on-line, all in just minutes!
Following is some important and helpful information about Mexico auto insurance:

    Why buy Mexican auto insurance?
    Does my U.S. auto insurance cover me in Mexico?
    About Mexico auto insurance
    How much time should my Mexico policy be for?
    What information do I need to buy my policy on-line?
    How does this work? (to buy a policy on-line)
    Customer service


1. WHY BUY MEXICAN AUTO INSURANCE?
If you have an accident in Mexico and can not prove the ability to pay the damage on the spot, by Mexican law the driver goes to jail and the vehicle is impounded. It is a long and costly process to free the driver from jail and liberate the vehicle.
2. DOES MY U.S. AUTO INSURANCE COVER ME IN MEXICO?
NO – for Third Party Liability, certainly not under Mexican law. Mexican law requires insurance in Mexico be provided by an insurance company that has been authorized by Mexico’s National Insurance and Bonding Commission to conduct business in Mexico. No U.S. company has been so authorized.
MAYBE – for other coverage, but it is tricky. Some U.S. policies clearly do not provide any coverage in Mexico. Some U.S. policies contain a rider that extends coverage to Mexico under certain conditions. Those conditions will vary from one U.S. insurer to another. The policy may require that you at least have a Mexico policy covering you for Third Party Liability before their policy will pay for a loss in Mexico.
Some U.S. policies limit coverage to an accident that occurs within 25 or 50 miles of the border. And by the way, Rocky Point/Puerto PeƱasco is over 50 miles from the border.
PLAY IT SAFE: Comply with Mexican laws . . . buy Mexican insurance.
3. ABOUT MEXICAN AUTO INSURANCE
Mexican auto policies are similar to U.S. auto insurance but are definitely not as broad in scope as U.S. policies. We provide coverage several packages:
Basic package (Included in every policy)
Third Party Liability, pays for damage to property of or injury to other people when you are at fault in an accident. Medical Payments, pays medical bills for people in your vehicle who are injured in an accident involving your vehicle.
Legal Assistance and Bail Bond, pays for legal help you may require as a result of an accident involving your vehicle.
Travel Assistance, pays for some roadside and other services you may require during your travels.
Physical Damage (Optional)
Collision, pays for damage to your vehicle in an accident.
Total Theft, pays in the event your vehicle is stolen and not recovered
MexVisit (Optional upgrade)
Pays for emergency medical assistance ranging from help to locate a physician to emergency air evacuation back to the U.S., and also includes roadside assistance such as: flat tire, out of gas, keys locked in your vehicle, or a dead battery. For the small additional cost, MexVisit is one of the best insurance deals going.
Premium Upgrades (Optional)
This package upgrades the Basic and Physical Damage coverages described above and includes higher limits of Third Party Liability, higher limits for Medical Payments, pays a much higher labor rate for if you have your vehicle repaired in the U.S., reduces Physical Damage deductibles to a fixed amount of $500 for Collision and $1,000 for Theft, includes coverage for Partial Theft and Vandalism, and provides additional coverage if the other party is at-fault in an accident and does not have liability insurance.


4. HOW MANY DAYS SHOULD MY MEXICAN INSURANCE BE FOR?
You can buy a policy from one day to one year in duration.
If you go to Mexico frequently or are in Mexico 30 days or more per year, it’s usually more economical to buy an annual policy instead of several short term policies. Our automated system calculates the most economical quote, so if you requested a quote for a specific number of days but are only shown quote results for a six month or annual policy it is because a six month policy is more economical than a policy for the number of days you requested.
If there is a chance you may stay in Mexico a day or two longer, it is cheaper and safer to just buy an additional day or two to start with. The consequence of being without insurance just isn’t worth it.
5. WHAT INFORMATION DO I NEED TO HAVE TO BUY MY POLICY ON-LINE?
Besides your name, address, phone number, and email address, it will help to have ready the auto insurance I.D. card issued by your U.S. auto insurance company. This card includes the company name, policy number, and effective date of your U.S. insurance, and it also includes the Vehicle Identification Number (VIN) for your vehicle.
You will also need your Driver’s License number, the license plate number of your vehicle, and a valid credit or debit card.
6. HOW DOES THIS WORK? (to buy a policy on-line)
It’s easy.
You enter basic information about your trip to Mexico: Dates you will be in Mexico, about your vehicle (year, make, model, value), and the coverage you need. You will get quotes from several Mexican insurance companies, all on one Quote Results screen.
You chose the company and policy you want to buy and click on “Buy Now”.
Complete additional information about you (name, address, driver’s license number, etc.), about your vehicle (VIN, license plate number), about your U.S. insurance policy (company name, policy number, expiration date), and a credit or debit card.
Your computer screen will display a link to print your policy off your computer via Adobe Acrobat Reader. The entire transaction only takes a few minutes.
The documents will include a Confirmation of the Purchase, the Declaration Page or “face sheet” of the policy in English and in Spanish, and instructions “What to do in case of an Accident.”
Your'e ready to Roll!
7. CUSTOMER SERVICE
You can call toll free 1-877-774-2868  , M-F, 7:00 AM – 5:30 PM Arizona time.


ADVISORY

Please be advised of the February 2013 Changes in Mexican Insurance Laws: In the past, the liability damages imposed on an at-fault driver who caused a negligent fatality in Mexico were capped at 750 days multiplied by the local Mexico Minimum Wage (approximately $ 50,000 total damages in most Mexican States).

Effective immediately, that limit has been increased by the Mexican Government to 5,000 days multiplied by the local Mexico minimum wage (up to approximately $ 300,000 US Dollars total damages, depending on the Mexican State). A BLANKET SUGGESTION OF PURCHASING A MINIMUM OF $300,000 in LIABILITY LIMITS, AND SERIOUSLY CONSIDER THE $500,000 LIMIT!

What happens if I my international travelers have a current policy in force with limits of $ 50,000 or $ 100,000?

Most Insurance honor the $ 300,000 Death Liability Limit on all currently in force policies until expiration. So you do not have to do anything if you are an existing policyholder who purchased their policy on or before February 4, 2013. Regardless of the current limit on their declarations page, most insurers will honor the $ 300,000 Death Liability limit until the expiration of any in force policies purchased on or before February 4, 2013.

What limits do you suggest when buying new or renewal policies?

We suggest that you now use the same level of care buying Mexico Liability Insurance as you would in the United States. Use limits that you would use when buying US or Canadian liability policies.

The radical change to Mexico Liability law means that claims for Death Liability in Mexico will now be similar to the damages that are often imposed by courts in the US and Canada in similar cases!