If you are planning a car trip over the border to Mexico, you should be aware of the different types of car insurance policies that they offer there. Your American insurance policy will most likely not cover you for accidents that occur within the country of Mexico, and serious accidents can land you in a Mexican prison, which really is not a place you want to end up.
Your American liability coverage for bodily injury will not be valid whilst traveling in Mexico. However your provider may still offer property damage coverage. To know how you will be covered while in Mexico, it is always worth checking with your insurance company before you start your trip. In any case you will want to obtain insurance from a Mexican insurance company in order to protect you against any medical expenses that you might incur should you be involved in a serious car accident.
There are many places to purchase Mexican Car Insurance. You can either do it online or a number of places at the border will be able to supply you with Mexican car insurance.
If you are renting then your credit card will act as insurance. However it is also worth taking out dedicated insurance as often you are not allowed to leave the country until the money owed has been paid out in full. Make sure that you get a note of all damage to the car before leaving the rental agency as any scratches or dents not accounted for will be chargeable once you return the rented car.
If you are looking to drive your own car within Mexico then you will need a tourist card as well as a temporary vehicle importation permit. You can obtain both of these from the Mexican border at low cost. It is recommended that you pick up your insurance at the same time. The cost of the tourist card is $15 and will last you 180 days in Mexico. The cost of the importation permit is the same; make sure that is displayed on your windscreen at all times whilst traveling throughout Mexico.
There are a number of details that you will need to provide to the border agents when applying for these permits.
1. Proof you own the car as well as the registration documents for America.
2. An American driver’s license
3. Proof of citizenship.
In addition to the Mexican car insurance rules, their driving style is also slightly different. It is worth reading up on this before you head over to Mexico. Ignore all the horror stories of driving in Mexico. It really is a breeze once you know the process. You are very unlikely to end up in jail as long as you own the standard civil liability insurance, which can be purchased any time before you start driving in Mexico. For a very low cost you will be able to explore this beautiful country along the open roads.