What do Mapfre Seguros Mexican insurance policies cover?

Physical Damage to your Vehicle (Optional)

This section of the policy covers your vehicle up to the Actual Cash Value (ACV, see below for additional information) stated on your policy for collision, overturning, and glass breakage. The Actual Cash Value is subject to applicable deductibles. Acts of vandalism are excluded. (At this time we do not offer partial theft or vandalism coverage through Mapfre, but this coverage can be purchased from ACE or HDI Seguros.) Towing expenses are covered to move the vehicle to the nearest town to a repair shop designated by you.

Total Theft and Fire of Your Vehicle (Optional)

This section of the policy covers your vehicle up to the Actual Cash Value (ACV, see below for additional information) stated on your policy for total theft, fire, lightning, explosion, tornado, hurricane, hail, earthquake, volcanic eruption, floods, landslides, and more. The Actual Cash Value is subject to applicable deductibles. Partial theft of vehicle parts is excluded. (At this time we do not offer partial theft or vandalism coverage through Mapfre, but this coverage can be purchased from ACE or HDI Seguros.)

Civil Liability (Mandatory)

The civil liability section of the policy fulfills your proof of financial responsibility as required under Mexican law in case of an accident. The coverage pays for bodily injury and property damage to other parties (3rd parties), resulting from the use of the vehicle covered on the policy. We offer U.S. $100,000 and $300,000 Combined Single Limits of liability. Combined Single Limit means the civil liability will be paid to others for bodily injury liability and/or property damage liability up to the limit stated on your policy.

Medical Expenses For Occupants (Mandatory)

This coverage pays for medical expenses for the driver and passengers of the vehicle for injuries sustained in the event of a covered loss. Motorcycles are not eligible for this coverage. Medical expenses limits available: U.S. $2,000 per person up to $10,000 per accident and U.S. $5,000 per person up to $25,000 per accident.

Legal Assistance and Bond (Mandatory)

Provides legal services and payment of bail bonds up to $30,000 limit if you use Mapfre's services. Legal assistance is available 24 hours a day, 365 days a year.

Roadside Assistance and Towing

Roadside assistance and towing is included with all Mapfre vehicle policies for vehicles 12 years old and younger. (HDI and ACE Seguros both offer roadside assistance on older vehicles however). Roadside services include gas service, flat tire change, jumpstart service, and more. Towing is offered in case of an accident or breakdown.

Actual Cash Value:

In case of a total loss, Mapfre Seguros will adjust on the basis of the Actual Cash Value (ACV) of the vehicle at the time of the accident. It is imperative that a realistic value of your vehicle be determined when purchasing your insurance policy. To determine an accurate value, please use the Retail Value found in the Kelley Blue Book or NADA Guide. Under-insuring your vehicle(s) may result in financial penalties in the event of a loss. In the case of over-insuring any vehicle, the insurer has the right to adjust the Actual Cash Value to reflect the current market.