Why should you have Mexican car insurance? When on vacation the last thing that anybody wants to do is to waste time with government bureaucracy. Unfortunately, that is exactly what many of us do when driving into Mexico. We have to wait in a long line, as everything is inspected, and the local government checks to make sure that we are legal and have all of our paperwork in order. It is simply part of the process, but we want to make that part as short and painless as possible.
The other thing is that we all want to comply with the local laws so that we don’t get into trouble, and we also want to be responsible citizens in whatever country we are in. Part of that is the purchase of the correct insurance coverage, but sometimes that is not as easy as we might want it to be, because of the difference in language, culture, and legal systems.
Now, I can’t take away all of the delays at the border, but I can give you some help to make it a lot less painful. First of all, there are a few things that we can do to speed up the process when it is our turn to talk to the local official. We can have all of our paperwork in order and immediately hand it over to the officer, so that our turn is short and painless. In conjunction with our passports and vehicle registration we will need proof of Mexican car insurance.
Did you know that your United States policy is not valid in Mexico? Now, I know that your insurance agent told you that it was, and it may in fact cover an accident in Mexico, but it is not valid evidence of financial responsibility in Mexico. See, Mexico has no way of verifying your coverage because of the differences in legal systems, and language barriers, and therefore will only accept an insurance policy written by a Mexican insurer.
I can offer you the best coverage at the best price, because you’ll be able to compare policies between different Mexican insurance companies, and choose the one that offers you the best price and coverage combination. These are all fiscally responsible A+ rated carriers so that you know you have the best insurance available. Insurance for Mexico is not something that you want to take chances on.
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