Is Your Car Insurance Valid for Travel to Mexico?

Being in close proximity to Mexico is one of the perks of living in California. While you might be able to drive to Mexico on a whim, planning for car insurance requires a little more forethought. Mexico’s laws require driving tourists to have car insurance, and following these guidelines will help you get covered in case of an accident.

Consider the Risks of Driving in a Foreign Area

If you’re new to driving in Mexico, you’ll face the same risks of driving in an unfamiliar location as you would anywhere else. Dealing with aggressive drivers when you aren’t sure where to go increases the risk of accidents. You could also face the risk of an animal running into your driving path or vandalism if you park in the wrong place. Making sure you comply with the law and have adequate insurance helps you mitigate the damages posed by common risks.

Know the Laws Before You Go

Similar to driving laws in other states, Mexican laws can vary from the local laws you’re used to. One of the most obvious differences is that speed limits are posted using the metric system. Try to familiarize yourself with converting between km/h and mph. You’ll also want to know turning right on red is illegal. The good news is many laws are the same as those in the U.S., such as the requirement for drivers and passengers in the front seat to wear seatbelts.

Purchase Mexico Auto Liability Insurance

You’ll find many people and companies advertising Mexico auto liability insurance for tourists. While most of these are legitimate, you also need to avoid falling for a scam. Drivers should make sure the policies they choose offer adequate coverage. Working with an established seguro de auto company you trust is the best way to secure the insurance coverage you need without taking unnecessary risks.

Familiarize Yourself with the Policy

Mexico requires drivers who are tourists to have at least liability insurance. This will cover damages to the other party’s vehicle if you have an accident. You’ll also want to make sure your Mexico car insurance policy also covers theft, since the possibility of dealing with a stolen vehicle goes up when parking in unfamiliar places. Coverage for legal services is also important, since it’s possible to be detained if you experience an accident in Mexico. Making sure your policy also covers damage to your vehicle is a good idea, just as it is in the United States.

Be Proactive about Accident Prevention

Experiencing an accident in Mexico is a stressful event that could ruin your trip. Try to familiarize yourself with new routes before you start to drive. Identifying safe parking areas at your destination can also help you avoid leaving your car exposed to thieves or vandals. If possible, try to avoid driving at night, and remember to stick to the far right side of the road when you drive unless you’re passing another vehicle.

To find out more about auto insurance coverage when you’re traveling to Mexico, call on the team from Altra Insurance Services. In addition to auto coverage, we offer a variety of insurance products, including motorcycle, homeowners, and el seguro para inquilinos. San Diego residents can call one of our friendly agents today for a free quote.