Mexico Insurance — Protect Yourself Across the Border
There are approximately 22,000 people who cross the border every day through the El Paso ports of entry. This might include people who visit family regularly, work on the other side, or travel for work, among other reasons. People who travel back and forth should have a form of personal protection for them and their private property. Regular insurance policies do not always cover accidents or theft that occur on the other side of the border. At the same time, Mexico insurance laws require that a driver have liability insurance from an insurer licensed to provide coverage there.
People are not often aware that their American insurance does not cover them in Mexico, only to find out when they try to take out a claim and it’s too late. Instead of risking damage to your personal property, get protected with the right insurance policy before you find yourself in a bind. It’s never fun being involved in an accident, but it’s especially stressful when you find yourself in a different country needing medical assistance, roadside assistance, or help to fix your vehicle. Mexico insurance is the best way to travel across the border knowing you are covered.
What is Mexico Insurance?
This type of travel insurance is unique because it offers a wide array of options. Travelers can purchase insurance for a day or for a year. The common policy options are usually divided into the following three categories:
Why Do I Need Mexico Insurance?
The quick answer is that American car insurance is not valid in Mexico and Mexican law requires drivers to have liability protection. Getting into an accident without coverage can have several different consequences. One of them is that you will not be able to cover damages and Mexican authorities can technically impound your car and even arrest you until the matter is settled.
Many travelers experience accidents in Mexico that not only ruin their vacation or travel plans but they find themselves in the hospital seeking medical assistance. Getting hurt in another country can be scary, especially if you are not sure how their health system works and you have limited funds with you. A lot of Mexican clinics and hospitals require payment upon service and this can leave you scrambling for cash at the last minute.
How it Works
Mexican insurance is not all that different from a car insurance policy you would purchase in the United States. One difference is that your driving record might not play as big a role when purchasing a policy to go across the border. Other relevant pieces of information that will be needed to purchase a Mexican insurance policy include the following:
☑ The make and model of your car
☑ The value of your vehicle
☑ The extent of your stay in Mexico
☑ Where in Mexico you are going
☑ If there are drivers under 21
☑ If you are towing anything
If you get into an accident, you will get several phone numbers to contact. The company will then send an adjuster to the scene to assess the damage. It will also be important to ensure a police report is filed, as this can be a valuable piece of evidence for your insurance. If you require medical attention, the policy will also take responsibility for hospital bills.
What About Frequent Trips Back and Forth Across the Border?
Because El Paso is a border town and Mexico is still an important trading partner of the United States, there is a lot of trade and cross-border business happening on a daily basis. This means that many people go across the border for business more so than vacations. A lot of people living on the border might not be aware that many American insurance companies travel with you to Mexico. The few that do will cover only about five trips a month. Advantage Insurance offers Mexico travel insurance for people who work across the border or travel across the border frequently, for a whole year.
How Do I Get Mexico Insurance?
The process of getting a Mexico travel insurance policy is not particularly different from getting an auto insurance policy in the United States. A good starting point is talking to an insurance agent who can guide you through the different options based on your particular circumstances and the details of your trip. A policy for a Mexico vacation will be different than one for a business person traveling back and forth every day.
Contact Advantage Insurance Today
Need travel insurance? We know that insurance can get a little confusing. That’s why we’re here! You don’t need an appointment to get a free quote. Come in and talk with one of our experienced representatives and we will help you look at all the options available to you. Call us at (915) 855-2996 or find us at 11930 Vista Del Sol, Ste. A.
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