Protect Yourself Well With Mexico Auto Insurance
Linden Gray
Have you ever wondered why you should purchase insurance for your automobile in Mexico? It would be a good idea to do so as US issued policies are not legally useful in Mexico. To help make sure that you are in the clear and covered in the event of an accident, you must have an admitted and recognized insurance policy issued by a genuine Mexican insurance company.
If you are planning a visit to Mexico in an automobile, purchasing a policy online is highly suggested. If you purchase coverage from ACE or ING insurance companies, additional coverage is included. With the policies they offer, you will receive medical assistance in case of an emergency, medical payments, roadside assistance. With ACE, you even gain access to a rental car if yours is unable to work after an accident.
It is not uncommon to see Canadians and other northern dwellers pay a visit to Mexico in an attempt to escape their colder temperatures. Many are unaware that the Canadian insurance policy they possess is not valid in Mexico. They run the risk of facing grave consequences if they are involved in a car accident during their visit.
Mexican full coverage insurance will cover damage to your car. When a vehicle is stolen, total theft coverage is given. Wreckages are covered. Even if you sustain damage during a fire, a bolt of lightning, or any other weather related occurrences (like earthquakes and hurricanes) - you are covered. Yet, if your car becomes damaged after a criminal attempts to steal your radio, or by vandalism, your insurance does not cover these types of damages unless you buy additional features.
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.
Did you know that a car accident in Mexico is actually a felony? Mexican authorities can impound your vehicle and keep you in custody if they so desire. It is important if you are going to drive in Mexico to buy legal aid and bond coverage as part of your Mexican auto insurance policy. The insurer will supply you with a lawyer who is by them to help negotiate your release and the release of your vehicle.
There are numerous insurance salesmen offering policies online for trips to Mexico. Most travelers find buyinf from the internet the easiest approach, as buying insurance at the border is often expensive and frustratingas its easy to become confused.Often, you do not receive what you believe you are purchasing and the worst moment to learn about the fine print and lost details is after a car accident has taken place. If you plan to rent a car with US plates for your trip, don't forget Mexican insurance is available for car rentals too for less than the rental company will charge. Always inform the rental company that you intend on traveling to Mexico.
A liability only policy is necessary to protect you and others in the event of an accident resulting in injury or death to third parties. This policy will cover bodily injury or property damage that is caused by your car as well as medical treatment for you or someone else in your car. In order to cover physical damage to your vehicle, a full coverage policy should be purchased
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 30 year insurance veteran who has been featured in many publications including RV Magazine, PE.com, Google, Yahoo, Digg & Buzzle. Visit his website:
http://mexicaninsurancestore.com/ Mexican Insurance or here:
http://mexicaninsurancestore.com/quote.asp) Mexican Car Insurance
