There are countless reasons to visit Mexico, whether for its sunny beaches, historic sites, beautiful architecture, or perhaps even to visit loved ones. Since it’s our Southern neighbor, it makes sense that you might prefer to drive there instead of fly. Although Mexico is a lot closer to us here in Mesa than most other U.S. states, that doesn’t mean your car insurance will extend past the border. If you want to protect your vehicle, assure coverage for U.S. repairs, and protect yourself against financial liability, contact our office to find out more about car insurance designed specifically for your Mexican travels.
Coverage for a Day or even a Year
At Bob Jarosch Insurance, we work with trusted Mexican car insurance underwriters to secure coverage that will see you through your foreign stay, whether you are day-tripping or extending your travels for as much as a year. Our coverage can provide dollar-based settlements (not pesos) and give you the flexibility you need to repair your vehicle while you are abroad or here in the States.
Types of Mexican Car Insurance Coverage
A Mexican auto insurance policy should include many of the same protections you probably already have on your existing U.S. car insurance policy. This may include:
Just like in the U.S., liability insurance is required to legally operate a motor vehicle in Mexico. Unlike in the U.S., you could actually be detained by Mexican authorities if you do not have enough coverage or money to pay for the physical damages and injuries you cause in an accident. That is why we recommend purchasing high-limit coverage to assure you have the funds to cover your financial responsibility.
Not only will you be traveling unfamiliar roads in Mexico, but you may also encounter challenging terrain and dangerous conditions on poorly maintained roads. There are far fewer traffic signals, street lights, signs, and right-of-way laws in Mexico, not to mention traffic laws are not as strictly enforced – particularly when you venture away from the more heavily populated, urban areas. Furthermore, the potholes on some roads are enormous – enough to seriously damage or even trap your vehicle.
Whenever possible, stick to the toll roads and only drive during daylight hours. Also, make sure your insurance includes coverage for damage to your vehicle caused by a collision. Finally, avoid drinking and driving, as driving with even a small amount of alcohol in your system could void your insurance coverage.
Car theft is a serious problem in some parts of Mexico. Be sure to protect your vehicle with car insurance that includes coverage for theft. You should also avoid drawing attention to your vehicle by driving an older, low-value car if possible and keeping your doors locked while operating your vehicle.
Medical Payments Coverage
If you are injured in a car accident while traveling in Mexico, you may need to seek medical attention. Medical payments coverage provides limited payment for necessary medical expenses, which may be enough to cover the cost of your health insurance deductible or an emergency hospital visit.
Uninsured Motorist Coverage
If you are injured by an uninsured driver, uninsured motorist coverage can help pay for your losses.
If you need towing or vehicle assistance due to a breakdown or some other unexpected event, Mexico insurance can help pay for specialized assistance. Keep in mind that emergency help is available by dialing 0-6-6 (similar to dialing 9-1-1 in the U.S.).
In the unfortunate event that you are arrested or detained by Mexican police, you may need help bonding out or proving you have the financial ability to pay for your liability. Mexico insurance policies can help provide legal assistance so you can avoid time in jail.
Mexico Insurance Quotes in Arizona
Even if you only plan to visit Mexico for the day, going without adequate insurance coverage is not an option. Why rely on your own finances to pay for any vehicle-related injuries and damages when we here at Bob Jarosch Insurance can help you protect yourself against the hazards you could encounter. Whether you hit a flock of livestock roaming in the road or rear-end another vehicle that has no brake lights, having the right insurance can give you peace of mind that you are covered against the damages.
If you are planning a road trip to Mexico, we want to help you get the coverage you need. When you contact us, be sure to have:
- A copy of your vehicle’s registration
- Your VIN number
- Your license plate number
- The dates you will need coverage abroad.
- The make, model, and year of your vehicle
- Your current U.S. insurance policy number
We can offer you quotes for coverage based on these details, as well as where you plan to travel within Mexico and where you will stay while visiting. We can also help you custom-tailor your coverage and protection with deductibles that fit your needs and budget. We can even explain the differences in your Mexico insurance coverage options and the benefits of choosing a comprehensive policy versus one that leaves you financially and personally vulnerable to damages and loss.
To find out more about how you can protect yourself and your vehicle, as well as remain compliant with local laws while driving across the Mexican border, contact Bob Jarosch Insurance today. We look forward to serving you soon.