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Many people are surprised to learn that their U.S. or Canadian auto insurance does not cover them when driving in Mexico. Although true, some U.S. insurance companies may offer a limited extension of vehicle theft and damages coverage up to a specific number of miles. It's important to have at least a Mexican liability policy to prove your financial responsibility. The only other way to prove financial responsibility is with large sums of cash.
Just as U.S. authorities will not accept a Mexican auto insurance policy for an accident, Mexican authorities will not accept a U.S. or Canadian policy either. Mexican law will not recognize U.S. or Canadian auto insurance policies.
This can vary company to company, but in general limited coverage may mean:
Generally no. Some U.S. companies say they do offer liability, but this can be misleading since it will not be recognized by Mexican authorities. The U.S. insurance company may also have certain conditions to be met first, for example, that the accident involved another U.S. citizen and/or your Mexican insurance liability limit has been exhausted.
The 21st Century website states:
Your policy contract does not provide any coverage for losses that occur in Mexico. If you would like temporary Mexico coverage, you must purchase the Mexico Coverage Endorsement.
Please note: **MEXICAN AUTHORITIES WILL NOT RECOGNIZE THIS COVERAGE EXTENSION AND MEXICAN LIABILITY INSURANCE MUST ALSO BE PURCHASED FROM A LICENSED MEXICAN INSURANCE COMPANY.**
Exception - Texas: The Texas policy contract automatically provides coverage for losses that occur in Mexico, using the same guidelines as the existing Mexico Coverage Endorsement as outlined below.
Where do i start..... you dont know you have good insurance until you have to actually use it. I...ave had Baja Bound INS for over 5 years and just recently got into an accident all the way down in Cabo. This was one of the smoothest processes I've ever been through. I would even say smother that having a accident in the states. The adjuster was on site within the hour, delt with the local police for me and made everything go so smooth. I cant say thanks enough to Geoff and his team for helping me out. I'm never leaving you guys!!!!!!!
Team were on point, provided inside information, prices were great and they had my proposal already...y in the system when I called back. Helpful and so damn friendly. Cut my costs to help me out as well. Highly recommended.
It was great, thank you