Driving Across the Border? Review Mexican Auto Insurance Requirements 

Are you planning a road trip to Mexico? Whether you’re going on vacation or traveling for business, it’s essential to understand the unique auto insurance requirements that apply once you cross the border. Understanding and retaining appropriate Mexican auto coverage is a non-negotiable necessity for travelers who want to avoid legal issues and potentially catastrophic financial consequences.

Why U.S. Auto Insurance Isn’t Enough in Mexico

Many California drivers may be surprised to learn that their standard U.S. auto insurance policy typically does not provide coverage in Mexico. This is a coverage gap that must be addressed, as Mexican law requires all drivers to purchase an auto insurance policy that at least includes third-party liability coverage. Failing to comply could lead to legal issues, fines or even detention if you’re involved in an accident during your trip.

What Does Mexican Auto Insurance Cover?

While you will need a separate insurance policy while driving south of the border, components of Mexican auto coverage often resemble those you might be familiar with in the United States. Specifically, you could purchase the following financial protections:

• Liability coverage—Required by law to cover injuries or property damage you may cause to others
• Physical damage coverage—Financial protection for your own vehicle in case of accidents, severe weather, vandalism or theft
• Legal assistance coverage—Funds support with legal matters if you’re involved in an incident
• Medical payments coverage—May help pay for health care costs if you or your passengers are injured in an accident.

How We Help California Drivers Prepare

Our team at Trilogy Insurance Brokers, Inc. has ample experience helping California residents find the right Mexican auto insurance for both short trips and extended stays. We’re here to answer your questions and make sure you’re fully protected before you hit the road.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.