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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.
Baja Bound was recommended to us by a fellow SCORE racer for the Baja 400 in Ensenada. We insured... 12 vehicles with multiple drivers and BB was able to handle it effortlessly. Shout out to Michelle for her patience and follow up. We will use Baja Bound again when we return to race.
I purchased an insurance policy for Mexico (indirectly) through Baja Bound and it was relatively...ood value for money. I had the unfortunate experience of putting a claim through as a pick up truck rear ended me and ran whilst I was in the desert on my motorbike in Baja. The claim process with the Mexican side of the insurance (as it is not Baja that provides the insurance directly) was PAINSTAKINGLY long. However throughout the process Yara from Baja B was absolutely incredible. Consistent with communication and persevering in her attempts to get everyone else to do their jobs properly. I honestly would have lost the will to get my money back without her. It took about seven months to get the Mexican side of the insurance to pay out so you better not be in a rush. All in all, decent insurance company, without whom I'd have kissed goodbye to several thousands as despite speaking Spanish enough to converse comfortably. I don't think I'd have gotten anywhere without Yara. Si puedes leer esto, muchísimas gracias Yara, fue un placer de platicar contigo, siempre estaré agradecido de tu apoyo y tu paciencia!
Easy to navigate website and good people to work with!
