Thousands of Texas residents drive across the border from Texas to Mexico every week, either for business or pleasure. Although state law in Texas requires that drivers have a minimum level of liability insurance coverage on their vehicles, the Mexican government does not recognize the validity of auto insurance policies issued in the United States or Canada. A Texas driver’s current U.S. insurance policy offering protection against damage caused by an accident or even theft would offer no protection while driving anywhere in Mexico.
Purchasing Mexican Insurance Coverage
It’s important to secure the right amount of coverage from a reputable Mexican insurance company in order to avoid problems while driving in Mexico. Be certain that the Mexican insurance carrier you are dealing does not insist that your vehicle be repaired in Mexico following an accident, even if the car can be driven, as this could cause you added expense in addition to months of delay. Insist that your Mexican insurance coverage spells out that your vehicle can be returned to Texas for needed repairs. It’s also important to make arrangements to purchase your Mexico car insurance before driving into that country.
Mexico Coverage Endorsement
Some US insurance companies offer customers what is known as Mexico coverage endorsement, meaning that you can drive from Texas into Mexico for a limited amount of miles, but this only covers damages sustained to your vehicle in the event of an accident and not any third parties. Texas drivers should not rely on this very limited coverage when crossing over into Mexico by car but should invest in purchasing at least the minimum amount of third party liability insurance coverage that Mexico requires.
Consequences of Not Being Insured
Mexican police authorities will require Texas drivers to produce proof of Mexican liability insurance coverage at the scene of any accident where damage has been caused to a third party. If the driver cannot produce such proof, he may wind up behind bars, as Mexican police will not hesitate to detain a driver until he can deliver the amount necessary to cover the damages caused to a third party in a traffic accident. Failing to have Mexican car insurance is also very expensive because Mexican attorneys can charge whatever inflated price they wish to help Texas drivers out of a desperate situation. The best Mexican auto insurance policies include coverage for legal assistance when necessary in order to pay for such costs as bail, legal fees and court proceedings.
Features To Look For in a Texas to Mexico Car Insurance
Texas drivers shopping for a Mexican insurance policy should ensure that the policy offers a number of special features for their protection and convenience. Make sure the policy allows you to handle repairs and settle claims back in the United States and allows vehicles that are not drivable to be towed back across the border into Texas for repair. Check to see if such expenses as roadside assistance, medical evacuation and air travel tickets back to Texas are included in your coverage without your having to purchase additional insurance. Make sure that your Mexican insurance policy covers you against vandalism and theft while driving in Mexico and automatically includes legal assistance should you require help following a traffic accident, whether or not you were at fault. It’s also important to get your Mexican insurance coverage from a company that offers you the convenience of toll-free, round the clock live help in the event you have questions while travelling in Mexico or need legal aid following a collision.
Travel from Texas to Mexico and back is for most drivers a pleasant and uneventful experience. It’s important to be prepared and safe rather than sorry and purchase the required Mexican car insurance ahead of any travel plans. Take the time to ensure that your Texas to Mexico car insurance policy includes all of the coverage features that will minimize any expense and hassle in the event you are involved in a traffic accident while on Mexican soil.