What to Do After an Accident

In the event an accident should occur, here are some general guidelines to follow:

• If possible, do not move the vehicles until you are given permission by the authorities.
• Dial 911. Make sure an accident investigator (perito) is sent to do an accident report. An accident report is important to have to file a claim and prevent delays in paying your claim.
• Call your insurance company as soon as possible after the accident occurs and before you leave Mexico.
  • HDI Seguros direct within Mexico +52 (477) 740-2818 or U.S. toll free +1 (888) 212-7642
  • Chubb Seguros direct within Mexico +52 (818) 864-9322 or U.S. toll free +1 (877) 699-6679
• Have your policy handy. A bilingual representative will be able to assist you and they will ask you for information about the event.
• Other parties who were involved in the accident may try to offer payment to you for damages. Do NOT accept any payment without consulting the insurance company.
• In many cases, an adjuster will be sent to the scene. Be sure to obtain an adjuster's report.
• Information to collect at the scene:
  • Contact information for drivers involved
  • Insurance information for drivers involved
  • Other relevant information
• Once the investigation is complete, it will be determined who is at fault. This may be carried out at the scene or at the police station. Hopefully at this time an agreement will be worked out to compensate the non-guilty party.
• You have the right to ask for an attorney while at the police station. If you feel you may need an attorney, discuss this with the HDI or Chubb representative.
• Even if minor injuries have occured during the accident, the case may go to the State DA's Office.
• It is recommended to check with your domestic medical insurance company to find out what coverage you have, if any, while traveling in a foreign country. Ask the company to send you the details of the coverage in writing if possible.