Are You Headed To Mexico?, You Will Need Mexico Auto Insurance

Are you headed to Mexico soon?  If so, we recommend purchasing a separate Mexico auto insurance policy. We offer a broad range of Mexico auto insurance through our partner Baja Bound.  You need to carry Mexican auto insurance to drive legally in the country, as liability coverage is mandatory.

Mexico does not recognize American auto insurance policies. If you are involved in an accident or injure someone in Mexico, your auto insurance will not be able to cover the damages. Mexican authorities may arrest you and impound your vehicle until the matter is settled. Without a proper method to compensate for damages, the process may take some time.

The risks and consequences are too significant to ignore, making it essential to purchase a policy before traveling to Mexico. The good news is it is easy and comparatively inexpensive to get your own Mexican car insurance policy through our agency.

Policy features can include:

• Liability-only or full coverage policies
• Physical damage and total theft coverage on full coverage policies
• Deductibles that meet finance company requirements
• Partial theft/vandalism coverage
• Several limits of third party liability
• Several limits of medical payments for passengers in your vehicle
• Legal aid and bail bond
• Roadside assistance available on most policies
• Travel and medical assistance

A full coverage Mexico insurance policy covers your vehicle for physical damage, total loss, and theft, as well as providing the liability component described above.  Additionally, some policies also provide coverage for partial theft of parts and vandalism.  It is recommended to use Kelley Blue Book to determine the most accurate market value of your vehicle when buying a full coverage policy.

Questions that are generally asked as part of the underwriting process:

• What type of car do you drive?
• What is the value of your car?
• What limits do you want?
• How long will you will be in Mexico?
• Where you are driving in Mexico?
• Is any driver under the age of 21?
• Will you be towing anything?

Mexico Motorcycle Insurance

If you’re riding a motorcycle into Mexico, you can purchase insurance through our agency too. Most policies offer liability insurance, but we recommend that you look for a Mexico motorcycle insurance policy that also offers coverage for theft and physical damage to your bike.

We write all lines of insurance: auto insurance, preferred and higher risk (sr22), homeowners, condominium insurance, apartment buildings, rentals insurance, commercial auto and general liability insurance, life insurance, umbrella insurance, motorcycle insurance, boat/watercraft/RV insurance, surety bonds, contract bonds and performance bonds.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this article is provided and written on an opinion basis, and for informational purposes, it solely represents the opinions of Valley Oaks Insurance.