Your existing auto insurance policy will not provide coverage if you are planning on driving to Mexico.
If you are planning a trip to Mexico, and considering driving instead of flying, before you hit the road, it is important to make sure you know what crossing the border will mean for your auto insurance policy.
U.S. auto insurance policies are not recognized or valid in Mexico. You will need to call your insurance agent to find a policy that will provide coverage while you are in Mexico. When buying a policy, you will need to provide certain information, including:
- A photocopy of the current registration of your vehicle.
- The make, model, and year of your car.
- Your driver’s license number.
- Your license plate number.
- The dates that you will be visiting Mexico and the reason for your visit.
- Where you are planning on staying and traveling throughout Mexico.
- A notarized document from the leasing company, finance company or owner of the vehicle authorizing you to take the vehicle to Mexico.
At the very minimum, you will need to have liability coverage to meet the insurance laws in Mexico. If you cause an accident while you are vacationing, your liability coverage will pay for any injuries that you cause to other people and damages that you cause to another person’s property. Depending on the specific policy that you invest in, you may also be covered for towing expenses, bond and legal assistance, and medical expenses.