What Does Car Insurance Cover in Mexico?

Introduction

Mexico is a popular destination for many tourists. Whether you are looking for a beach vacation, exploring the rich culture, or just enjoying the Mexican cuisine, Mexico has something to offer everyone. However, if you plan on renting a car while you are in Mexico, it is important to make sure you have the right car insurance. Car insurance in Mexico is different than in the United States and Canada, and it is important to understand the differences in order to ensure you are fully covered in the event of an accident. Read on to learn more about what car insurance covers in Mexico.

Types of Insurance Coverage

The types of insurance coverage available in Mexico are similar to those available in the United States and Canada. Most policies provide coverage for liability, collision, and comprehensive. Liability coverage, or third-party insurance, provides coverage for any damage caused to other vehicles or property in an accident. Collision coverage provides coverage for damage to your own vehicle in the event of an accident. Comprehensive coverage provides coverage for theft, fire, and other non-collision damage.

Legally Required Insurance

In Mexico, all drivers are required by law to have liability insurance. Liability insurance covers any damage to other vehicles or property in the event of an accident. It is important to note that in Mexico, liability insurance is not required to cover any damage to your own vehicle. This is why it is important to purchase additional coverage if you are planning on renting a car in Mexico.

Additional Coverage

If you are renting a car in Mexico, it is important to purchase additional coverage beyond the legally required liability insurance. Most rental car companies offer collision and comprehensive coverage as an add-on to the basic liability policy. This additional coverage provides protection in the event of an accident or other non-collision damage to the rental car. It is important to note that these additional coverages may not be included in the basic rental car agreement and must be purchased separately.

Medical Insurance

Most car insurance policies in Mexico do not provide coverage for medical expenses. If you are renting a car in Mexico, it is important to purchase medical insurance as an additional coverage. Medical insurance provides coverage for medical expenses resulting from an accident. It is important to note that medical insurance does not usually provide coverage for lost wages or other non-medical expenses.

Conclusion

Car insurance in Mexico is different than in the United States and Canada. It is important to understand the differences in order to make sure you are properly covered in the event of an accident. All drivers are required to have liability insurance, but additional coverage such as collision and comprehensive should be purchased if you are renting a car. Additionally, medical insurance should be purchased in order to cover any medical expenses resulting from an accident. By understanding the differences and purchasing the right coverage, you can make sure you are fully protected in the event of an accident.