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FAQ's
Q:
Does my
U.S.
insurance
policy
cover me
in Mexico?
A:
Some U.S.
and
Canadian
policies
may cover
your
vehicle
for
physical
damage.
The
Mexican
government,
however,
doesn't
recognize
U.S. or
Canadian
policies
as valid
insurance
in Mexico.
Q:
How is the
value of
my vehicle
determined?
A:
The Kelly
Blue Book
of used
car values
is used as
a guide
for
determining
your
vehicle
value. Be
sure to
add those
built-in
extras
that you
want
insured
should you
have a
loss. We
advise you
not to
under-insure
your
vehicle in
case of a
total
loss.
Q:
What if I
have a
loan on my
vehicle?
A:
If you
have a
loan on
your
vehicle or
trailer,
most
lenders
will
require
that they
be
furnished
a copy of
your
policy
indication
that the
unit is
insured
while it
is in
Mexico.
Upon
request,
we will
supply a
"lien
holder"
copy of
the policy
naming
your bank
or
financial
institution
as lender.
Always
make sure
you allow
enough
time
before
your trip
into
Mexico to
allow for
the
handling
of
paperwork.
Q:
If I tow a
trailer,
boat, or
another
vehicle,
do I need
to insure
them?
A:
Yes, it
must be
listed on
the policy
for at
least
liability
coverage
with the
towing
vehicle,
otherwise
the
insurance
of the
towing
vehicle
will be
voided in
case of an
accident
or loss.
Q:
What is
Liability
Only?
A:
The
Liability
Only
policy
provides
the
minimum
vehicle
insurance
required
by the
Mexican
government.
Included
in this
coverage
is
property
damage
caused by
your
vehicle,
legal
liability
for
injuries
or death
of persons
not in you
vehicle,
and
medical
expenses
for you or
other
persons in
your
vehicle.
Q:
Do I need
a Mexico
Car
Permit?
A:
Only if
you plan
to drive
in
mainland
Mexico
beyond the
border
areas, or
plan to
transport
a vehicle
by ferry
from Baja
California
to
mainland
Mexico.
Permits
are not
required
for travel
on the
Baja
California
peninsula.
Types
of
Coverage
1.
Collision,
Upset,
Glass
Breakage
This
covers
your
vehicle
up to
the
limits
stated
on
your
policy
for
damages
resulting
from
collision,
upsets
(turning
over),
and
glass
breakage.
The
deductibles
are 2%
of the
loss,
minimum
$100
for
cars
and
pick-ups
up to
1/2
ton
and
$200
for
larger
vehicles
like
vans,
motorhomes,
pick-up/campers
combinations,
trailers,
and
trucks
over
1/2
ton.
The
deductible
is
applied
on a
per
accident
and
per
vehicle
basis
to the
units
insured.
A boat
and
trailer
is
considered
one
unit
and
the
vehicle
is
considered
another
unit.
Deductibles
will
apply
to
both.
For
Motorcycles
the
deductibles
is
a flat
$5,000.00.
2.
Fire and
Theft
This
coverage
protects
your
vehicle
up to
the
limits
stated
on
your
policy
for
fire,
lighting
explosion,
total
theft,
strikes,
popular
uprising,
and
meteorological
phenomena
such
as
windstorms,
cyclones,
hurricanes,
earthquakes
and
floods.
Deductible
for a
total
theft
is 5%
of the
loss,
minimum
of
$200.
Deductible
for a
fire,
lighting,
and
explosion
is 5%
of the
loss,
minimum
of
$200.
For
Motorcycles
the
deductibles
is a
flat
$5,000.00.
3.
Property
Damage
This
protects
you
against
losses
resulting
in
damage
that
your
vehicle
might
cause
property
owned
by
others,
provided
you
are
legally
liable.
4.
Civil
Liability
This
covers
your
legal
liability
for
injuries
or
death
to a
third
party
resulting
from
the
use of
your
vehicle.
(NOTE:
occupants
of
your
vehicle
are
not
covered
under
this
risk).
5.
Medical
Payments
This
covers
you to
the
limits
stated
on
your
policy
for
the
occupants
of
your
vehicle
in
case
of
collision,
upset,
or
fire.
6.
Legal
Services :
1.
Fees
for
professional
legal
services
of a
Mexican
Attorney,
a
Maximum
of
$500.00
dollars.
2.Mexican
judicial
cost
and
fines
involving
an
auto
accident
Maximum
of
$100.00
dollars.
3.
for
Mexican
bail
bonds,
INSTANT
LEGAL
will
pay
the
premiums
and
become
co-sucurity
when
guarantee
does
not
exceed
$1,000
dollars.
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