subject: Yes YOU Too Can Learn How To Buy Mexican Car Insurance With Ease [print this page] Yes YOU Too Can Learn How To Buy Mexican Car Insurance With Ease
Mexican car insurance is one of the most sought after insurance products that meet the needs of travelers to Mexico. There are some people who don't have car insurance and think that it is of no use; that is right up until they have an accident or any unexpected incident. They want to save every possible penny but somehow lose the common sense that no one is guaranteed a risk free life.
The notion about obeying the law is something that should never be overlooked either. Driving without car insurance could lead to suspension of driving privileges and, in some instances, heavy fines or even jail time. As one can see, the state and local governments take matters of properly maintaining one's insurance responsibility seriously. It is simply not an area that should be neglected. Especially if you are in a foreign country, don't presume that your insurance policy will work in any country. Mexico, U.S., and Canadian insurers will normally not cover any damages that you either incur to your vehicle or cause while driving in Mexico. The only exception here is that some, but not all, U.S. insurance carriers will cover damage to your vehicle if the incident occurs within twenty-five miles of the border. However, liability is not covered at all and if you travel outside that twenty-five mile limit, you have no protection whatsoever from your U.S. insurer. This is a very important point and some people have not properly understood this issue and wind up with a number of problems.
Mexican courts refuse to recognize U.S. and Canadian auto insurance. If you fail to carry a Mexican car insurance policy and are caught, you'll be detained, even if you have life-threatening injuries and are in need of medical attention. The Mexican legal system is quite different than the one we are familiar with and Mexican officials and law enforcement officers tend to be very corrupt.
Mexican law requires that a person who causes an accident provide evidence there at the scene that she or he is able to pay for the damages. If you do not have a valid Mexican car insurance policy, the police will toss you into jail. Chances are that you'll have to hire a Mexican attorney to represent you. There is no limit to what a Mexican lawyer will charge to defend you, because you are from a different country and are therefore assumed to be made of money and they know that you don't have a lot of options available to you.
However, getting Mexican car insurance is not difficult nor is it expensive. It only takes a few minutes to purchase a policy online, and basic liability insurance can be obtained for about $10 a day. It's a little more time and expense, but it is well worth it and will save you a huge amount of time, money and hassle should you have the misfortune to be involved in a collision while driving in Mexico.
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