Mexican Auto Insurance - What to Expect if I Get Into An Accident
Linden Gray
Documents You Need
A driving accident can become a costly and bureaucratic nightmare if you do not have the proper documentation. You should carry the following documents with you while in Mexico.
1.Mexican Auto Insurance Policy: You must have Mexican Auto Insurance issued by a company recognized by the Mexican government. In addition to the policy, you should have premium payment receipt, accident instructions, and contact information for your provider. Recognized insurance providers such as MexicanInsuranceStore.com provide excellent documentation.
2.A valid driver's license. Your current license should have your photo, address, and should match the name on the title or registration of your vehicle that you are carrying with you.
3. Vehicle Title or Registration Receipt: You name should be on the title or registration. The insurance policy may also show the owner by name and the principal driver of the vehicle. Keep in mind that unregistered cars or automobiles with expired tags may have their transportation taken away.
4. Proof of Citizenship: Starting in 2009, having a passport is a must, but you must also have your driver's license, birth certificate, passport, or notarized proof of citizenship in your possession.
5.Permission Letter From Bank or Lien Holder: If you do not own the car, and you will be traveling beyond the border zone, (Approx. 70 miles from the border) you must have a letter of permission from the bank or lien holder for financed cars, rental cars, leased cars, or company cars (on company stationary).
6.Credit Card: A credit card, such as Visa, MasterCard, in your name.
7.A vehicle permit. If you are going to be traveling beyond the border areas, you need a temporary import permit displayed on your windshield.
8. Affidavit of Vehicle Return to the U.S.: If you are visiting places that are past the border areas, you need to sign an affidavit promising a safe return of the car back to the U.S., as well as pay a deposit that is later refunded.
When An Accident Occurs
If an accident should occur, you need to do the following:
1.Don't leave your vehicle until the police arrive.
2.Contact your medical emergency assistance provider if necessary.
3. Call your insurer using the in Mexico phone number.
3.Stay with your vehicle until the insurance adjuster comes to the scene.
7.Complete the Accident Report.
5.If your car needs to be towed, fill out and sign a parts inventory sheet.
After The Accident
After the accident, you need to get a hold of these documents to place an insurance claim:
1. Police Report: You need a duplicate of the initial report filed by the Mexican police.
2.Medical Report: Your insurance company will provide a form that must be signed by a licensed physician who provided the medical services.
3. Medical Billing: Any invoices that the hospital, physicians, and pharmacy issued are important.
Finally, allow your insurance company to manage the accident. Do not reach any verbal agreements or sign any written agreements with the other party that was involved.
Most significantly, do not take responsibility of the accident. Your carrier will direct you through the process of submitting a claim. They will let you know if you are responsible for anything.
Linden Gray is an international insurance veteran with 29 years of retail & direct insurance experience. Mr. Gray has been featured in numerous publications including RV Magazine, PE.com, Google & Yahoo News, Digg & Buzzle. Visit his website here: Mexican Auto Insurance. Get your own completely
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