When you plan a trip to Canada from America, you do not have to worry about car insurance. This is because Canada and the U.S. have an agreement whereby they recognize each other’s policies. This, however, is not the case if you intend making a trip to Mexico. Motor vehicle insurance in Mexico differs greatly from that in the U.S. and Canada.
Many drivers make the grave mistake of not checking on Mexican car insurance requirements and this often results in financial and legal problems. Do not make that mistake if your intention is to drive to Mexico at some point.
Recognition of Car Insurance
Mexican law does not recognize insurance from America or Canada. The government has also initiated strict controls on all vehicles entering the country. There is a buffer zone which extends for about 30 kilometers from the border where it is possible for U.S. drivers to move about freely if they are tourists. Beyond this buffer zone, it becomes necessary for drivers to acquire an import permit which gives them the right to drive their vehicles in the country.
What Happens If You Do Not Have Adequate Mexican Car Insurance?
Car insurance offenses are extremely serious in Mexico. In the event that you are pulled over by a traffic officer for whatever reason and it is discovered that you do not have proper and adequate insurance, you could be in line for extremely heavy fines or even jail time. Although being put in jail is a rare event due to the diplomatic relations between the two countries, the financial aspect of this offense can be devastating.
You should also bear in mind that in Mexico all traffic accidents are considered to be both civil and criminal offenses. This is unlike the U.S. where vehicle accidents are seen as civil offenses unless a crime was committed when the accident occurred. In Mexico, you can be taken to criminal court regardless of the type of vehicle accident you are involved in. This makes Mexican car insurance so much more important as without it, chances are you will end up in criminal court.
Where Can You Obtain Valid Car Insurance
There are a limited number of insurance carriers that are licensed to issue valid Mexican vehicle cover. Your first port of call would be your current vehicle insurance provider. If they are unable to assist you, and are unable to refer you to a specialist in this field, you should do a thorough online search for a reputable provider like mexinsurancestore.com.
You can use another option which is to buy your Mexican car insurance when you reach the border between the two countries. This will definitely be the most expensive option as these businesses are there simply for those drivers who have not made the effort to check on the legal requirements for driving in Mexico. Your aim should be to make as much saving as possible from your insurance policy.
When you purchase vehicle cover, you should obtain the documents in both Spanish and English. The Spanish version makes it easier for the authorities and the English document is for your purposes. Read it carefully to ensure that you are obtaining the correct cover. And never forget to get your Mexican car insurance policy when you are planning to bring your car to Mexico.