Is Mexico Auto Insurance Really Necessary?

Mexico is a vibrant, colorful country chock full of culture and sights and adventure. You shouldn’t have to drive very far to immerse yourself. Don’t forget to try the Ensenada or Rocky Point style seafood especially the fish tacos!

Here’s what you’ll need to bring…

…This quick checklist of fundamental items is absolutely essential in case of emergency. Remember, auto accidents are considered civil and criminal cases inside the Mexican border and Mexico auto insurance is NOT covered by policies written in the US or Canada because the territory of Mexico is excluded. So whether you’re out with the family on vacation or on a road trip with friends, secure a safe journey by keeping the following items in your possession.

- A Mexican Auto Insurance Policy: While traveling in Mexico, you need to buy Mexican car insurance that is admitted and recognized by the Mexican government. It is also helpful to carry a payment receipt, accident instructions and contact information for the insurance provider.

- A Valid Driver’s License: Should have a photo ID of yourself that matches the name on the insurance policy and the registration/title of the car. It’s OK to add a second driver to the policy and apparently all drivers over 21 who have a valid driver’s license can drive for no additional charge. At least this is what Mexican Insurance Store does.

- Vehicle Title or Registration Receipt: Should match the name on the insurance policy. (A bill of sale may not be considered valid.)

- Proof of Citizenship: A Passport will be required in 2009, but a Driver’s License and Birth Certificate or Notarized Proof of Citizenship can supplement proof of citizenship until that time.

- Permission Letter from Bank or Lien Holder: In the case that you plan on traveling beyond the 70 mile "border zone", you are required to possess a letter of permission from the bank or lien holder for cars you own or are borrowing, rental cars, leased cars and company cars (on company stationary)

- A Major Credit Card in your name (Visa, MasterCard, American Express, etc.)

- Vehicle Permit: Another requirement for traveling beyond the 70 mile "border zone", a temporary import permit must be displayed on your windshield. You can locate and purchase them online, on the border, or at any Mexican consulate.

- An Affidavit of Vehicle Return to the United States: And finally, a refundable deposit averaging 200-400 dollars is required, coupled with signing an affidavit promising to your return your vehicle back to the United States.

If you need Mexican Insurance information, visit: Mexico Auto Insurance Rates.

Have a safe journey!