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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.
They told me not to worry after my incident in Mexico, of course I did. Silly me, they talked me...own as well as through the process. They were extremely responsive to my inquiries as well as the repair centers. Key for one’s sanity and timely repair, they were without fault. If you’re in Mexico, have an incident and are insured by Baja Bound, “don’t worry!”
Every time I go to south of the border I get coverage with Baja Bound, it’s so easy to do on line...e and very affordable!
As we were headed to Baja I had time to contact a few Mexico insurance options. The first company I...I contacted, my first impression was I would pass on it and try one other option, they were also suggested to us by our current car insurance. My second call was to Baja Bound, and Michelle picked up the line and all is history. The simplicity of the contract went seemingly well and we sealed the deal with Baja Bound. On our trip home after 3 weeks in Baja we stayed at Valle de los Cirios at a hotel where we met Hank the founder of Baja Bound. Hank was such a pleasure to meet and hang out with, we are so happy we went with Baja Bound not only for the ease and sound solid policy but also meeting Hank. Thank you Michelle for your great customer service.
