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Mexican Auto Insurance or Else

There are many sites to see, places to visit, and things to do in Mexico. The beautiful, sandy beaches lure millions of visitors every year. The bars and clubs stay open all night long so that people can party until the sun comes up. People from all over the world – especially the United States - go to Mexico to have a good time and make new friends. For those visitors who plan to drive themselves around, it is very important to obtain Mexican auto insurance. Many Americans think that a quick, weekend trip to Mexico does not warrant purchasing Mexican auto insurance. They feel that their U.S auto insurance should be sufficient. In most cases, it is sufficient if they are within 10-15 miles of the border. Those who plan longer trips often forget to purchase it, because they are busy planning other aspects of their trip. However, these people soon realize that driving without Mexican auto insurance in Mexico is a bad decision. In Mexico, police officers automatically assume that drivers are guilty when involved in an accident. American car insurance is not valid in the state of Mexico. Therefore, the authorities do not issue a citation and let the driver go. They apprehend the driver, take them into jail custody, and impound the car. This does not happen every single time, but this scenario does occur the majority of the time. The authorities hold everyone involved in the accident until two things take place. First, they must determine who is responsible for the accident. Then, they must determine that the party will be able to pay for the damages. Mexican auto insurance prevents this type of situation from happening. This is the only type of insurance that Mexican authorities consider valid. Therefore, once they determine who caused the accident, the parties involved are released. Mexican auto insurance proves that damages are covered. When choosing Mexican auto insurance it is important to make sure that the policy adequately covers the scope of the accident. Therefore, drivers may want to purchase more than the Mexican civil liability minimum. This amount covers any injury or damages caused. However, it only covers a minimal amount of medical expenses and none of the individual and his family’s financial stability if he is unable to work. The Mexican auto insurance policy should also include provisions for a claims adjustor and an attorney. Travel assistance (medical assistance, tourist information, vehicle towing, etc…) is also a necessity. Be wary of Mexican auto insurance companies that do not offer these services. This may be a sign that the company is not reputable since they do not offer some of the main services a driver would need to utilize in case of an accident. Finally, drivers ought not to choose the split-limit payment method of Mexican auto insurance. It does not guarantee as much coverage as the combined single limit policy. If staying in Mexico for 25 days or more, Mexican auto insurance companies recommend an extended policy of 6 or 12 months. It offers more flexibility and ensures that drivers are covered if they happen to stay longer than expected. This also a good idea for Americans who live near the Mexican border and tend to travel there often. Protect yourself from the horrors of jail and car impoundment by purchasing Mexican auto insurance when in Mexico. It only costs an average of $4 per day and can save you tons of time, trouble, and money.