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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 are very good . There website doesn't show you need a title to bring a vehicle across the...border.I was stopped and told I had to return to the United States. The border agents informed me that the insurance company should have known this . I still don't see anything that says you need a title I told the insurance company needs to look into this. I called them and they said they would definitely look into and let me know . I still think they are a 5 star rating.I hope to hear from them so everybody will know what the rules really are. 👍 I will give you a up date to this when I hear from them 🌝
Baja Bound is knowledgeable and great to work with! The process to purchase insurance was...forward and clear. About half way into my trip, I decided to extend my stay in Mexico. I received prompt replies from Baja Bound and was quickly able to extend my insurance accordingly.
I ALWAYS forget to get insurance on our Mexico trips but Baja Bound makes it so easy- I can do it...from my phone in the car on the way and it’s easy and quick every time! What a relief!
