While you may have the best auto insurance for you in the United States, in case you are considering crossing the border over to Mexico, you need to buy Mexico insurance.
One thing that you may now know is that your United States auto insurance won't cover your liability for injury to other drivers or for damages.
United States Insurance Policies
As you probably already know, you can have different types of coverage in your United States auto insurance. Nevertheless, no matter how good or bad the coverage that you have, it won't do you any good as you cross the border over to Mexico.
Why You Need Travel Insurance in Mexico
One of the things that you need to keep in mind is that auto insurance is required in all parts of Mexico. And this is true not only for United States drivers but for Mexican drivers as well. In both cases, Mexico requires "proof of financial responsibility" to cover an accident. Nevertheless, this also means that even when you have an accident in Mexico that wasn't your fault, you may still end up paying for all the damages when you don't have auto insurance. And when it turns out that the accident was caused by you, the lack of auto insurance may lead to your detention until they determine that you can actually pay to the other party.
So, when buying a travel insurance, you want to make sure that you get one that covers damages but that also includes legal assistance and bail coverage in case you are detained.
Buy México Insurance at RL Jones Insurance and MVS
In case you are renting a car to go to Mexico from the United States, you can buy collision insurance coverage directly from the rental car company. However, no matter if you are driving a rented car or your own, you need to have liability insurance from a company that is licensed in Mexico. Stop by one of our 2 offices in Yuma or our office in San Luis Arizona, we have the best insurance rates for Mexico insurance in Yuma Arizona.
One of the things that you need to keep in mind is that you will need to buy RV or auto insurance that is specific for foreign-plated cars which are also known as tourist car insurance.
Don't Forget Your RV Insurance
In case you are planning on taking your family to Mexico for a couple of days in your RV, it's important to acknowledge that you also need insurance for these types of motor vehicles.
Requirements for Driving in Mexico
Before you even cross the border to Mexico, it's crucial that you know that you have some requirements to drive in this country. The truth is that you will need to have with you the documents that not only prove that you own the car but also that you have permission to travel through Mexico with it.
Here are the documents that you need to have with you:
Proof of car ownership: To prove that you own the car that you are driving, you only need a copy of your car registration or car title.
Your driver's license: You only need to have your United States driver license with you. This is also needed to buy Mexico auto insurance.
Leasing/Lienholder documentation: In case you are leasing your car, you need to have a copy of the contract with you. On the other hand, if you're financing your car, you'll need an affidavit from your lienholder permitting you to import it.
Liability insurance: All tourists need basic liability coverage when driving to Mexico.