Why Do Mexico Motorists Buy Mexican Insurance Coverage?

Many people ask what's the big deal about purchasing auto insurance for Mexican trips. For starters, the policies of the United States and Canada do not apply in Mexico and in order to stay protected, a Mexican insurance policy is a must. If you should unfortunately become a victim of a car accident (even if you're not at fault), the Mexican police will not view you as insured if you lack a policy written, created, and placed on file with a Mexican insurance company.

If you plan to travel to Mexico by car, you can purchase a policy online that will be considered legal in Mexico. If you buy an ACE insurance policy or ING insurance policy, they afford some additional coverage. These policies include emergency medical assistance, legal assistance and roadside assistance, and ACE includes a car from a rental agency should yours becomes inoperable.

Many times during the winter months, Canadians or other northern visitors decide to spend at least part of the cold weather in Mexico. Without knowing that the insurance policy they have is not legal in Mexico, they could face some serious consequences should they become involved in a vehicle accident.

Full coverage Mexico insurance is important as well. It covers total theft, fire, lightening, and other weather related catastrophes like hurricanes and earthquakes. You may want to buy specific endorsements for additional coverages when available, but most exposures Mexican insurers are willing to provide are covered by this broader form of Mexican insurance.

If you happen to be involved in an accident in the country of Mexico, it is imperative that you report it to the proper authorities if you want your claim to be honored. Otherwise, your Mexican insurance company has no obligation to pay any covered loss.

In the country of Mexico, a car accident is more than an accident-it is a felony. They can take your vehicle and put you in jail if they wish, so protect yourself financially and purchase valid and adequate insurance. Some Mexican insurance companies will provide you with the necessary representation to clear up any accident related business while you are in Mexico.

There are many different places to go online for your Mexican insurance coverage. Many travelers find that this is the best way to get insurance because doing so in person can be confusing and pricey. You don't now what you're actually buying until you need it-and that is really putting the cart before the horse. You can also buy Mexican insurance for rental cars at a discount, as long as the vehicle does not have Mexican license plates.

Liability only insurance plans are also available and suggested to those who drive an older vehicle. With this sort of plan, you and any other licensed driver (over 21 years old) is covered up to the limitations of the policy. You may also purchase a Driver's License Policy that permits drivers to operate various eligible vehicles.

The laws in Mexico are quite different than the U. S. when it comes to insurance. In Mexico you are considered guilty until proven innocent. You can be detained and your vehicle can be impounded until you pay damages deemed to have been caused by you. If you are in a collision that damages your car, the ability to pay for damages you cause to others is considered above all else. Buy from experienced providers like mexicaninsurancestore.com. Just being in an accident in Mexico will be considered both parties fault until a judge makes a decision one way or another.

Author Linden Gray is a 29 year insurance executive who has been featured in many publications including RV Magazine, PE.com, Google, Yahoo, Digg & Buzzle. Visit his website: ING Mexican Insurance or here: ACE Mexican Insurance