In the event an accident should occur, here are some general guidelines to follow:
All claims must be reported before you leave the Republic of Mexico. Any claim not reported may be subject to denial.
Do not move the vehicles until you are given permission by the authorities.
Dial the Baja California (Norte) Emergency Response Hotline at 066. This is the Mexican equivalent to 911. Make sure they send out an accident investigator (perito) to take an accident report. An accident report is extremely important to have to file a claim.
Call your insurance company as soon as possible after the accident occurs and before you leave Mexico.
HDI Seguros toll free within Mexico 01-800-019-6000 or direct 01-477-710-4781
ACE Seguros toll free within Mexico 01-800-362-7288 or direct 01-818-374-8053
Others 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.
Information to collect at the scene:
Contact information for drivers involved
Insurance information for drivers involved
Other relevant information
A bilingual representative will be able to assist you and they will ask you for the following information:
Description of the insured vehicle
Description of third party's vehicle (if applicable)
Coverage in force
Exact location of the accident
Telephone number (if available)
Brief description of the accident
If the accident is not reported before leaving Mexico, you risk having your claim denied. In many cases, an adjuster will be sent to the scene. The adjuster will need the following information:
Vehicle permit of importation (if applicable)
Written declaration of accident details signed by the policyholder
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 ACE 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.
Once you have returned from Mexico, you may follow up on a claim with HDI Seguros by calling International Claims Service at 1-800-284-9783. ACE Seguros may be reached from the U.S. or Canada by dialing 1-855-305-4034.