If you
are coming to Mexico for a matter of days insurance averages about $20/day.
Longer term policies are a better bet if you are staying more than 10 days.
My policy of full coverage cost about $250 per year. I have recently had to
file a claim via this policy and it was the least painful insurance
experience I have ever had!
You can purchase over the
Internet, phone, and your auto club or at the border. Your U.S. policy may
cover your car for a few miles over the into the Frontera (border
region) but you want to be sure. It is common for people to run
from an accident and you want to be sure you have the proper coverage as well
as it is the law. It is not that expensive
for a short trip to purchase at the border however for monthly, semi annual
and annual policies it is best to go to companies such as Lewis & Lewis.
What happens if you don't have insurance? The results of not having insurance
can rate from inconvenient to fatal. Your car will be impounded until you can
provide bond of the damage to the other vehicle. You may also be detained.
The worst case I followed in the San Diego Union Tribune. A California driver
that had an accident near Ensenada, BCN. The American had serious head
injuries and was rushed to Tijuana for treatment. The accident involved
damage to an expensive new pickup and the American had no insurance. The
Mexican officials would not release the injured man for more advanced
treatment in the US until he or his family could prove financial liability.
The man died several days later despite appeals by the consulate from his
head wounds.
Some are clubs you will have to join
for a nominal fee and others are just about insurance. If you are a boater or RV’er I would seriously consider joining the very reputable club of
Vagabundos del Mar. They have for many years been the leading provider of
insurance, legal assistance and information for drivers, RV’ers and small
boaters of the Baja. If you have a positive recommendation on Insurance
Companies please contact us.
If you
are coming to Mexico for a matter of days insurance averages about $20/day.
Longer term policies are a better bet if you are staying more than 10 days.
My policy of full coverage cost about $250 per year. I have recently had to
file a claim via this policy and it was the least painful insurance
experience I have ever had!
What happens if you don't have insurance? The results of not having insurance
can rate from inconvenient to fatal. Your car will be impounded until you can
provide bond of the damage to the other vehicle. You may also be detained.
The worst case I followed in the San Diego Union Tribune. A California driver
that had an accident near Ensenada, BCN. The American had serious head
injuries and was rushed to Tijuana for treatment. The accident involved
damage to an expensive new pickup and the American had no insurance. The
Mexican officials would not release the injured man for more advanced
treatment in the US until he or his family could prove financial l
iability.
The man died several days later despite appeals by the consulate from his
head wounds.