Advice from an insurance agent, auto insurance in Mexico before traveling to Mexico
Different legal systems between the two countries have created differences between the U.S. states of Mexico and auto insurance policies .. I will outline some of the differences in coverage by insurance. Please do not confuse this with a complete list as there are too many and "minor" differences to list.
Now the coverage will be addressed first is the insurance liability. Unlike the U.S., Mexican civil law, which is defined by law and not history that determines the liability. Some People think this is very good and others hate it, you can decide for yourself whether or not you like. Under the statute of Mexico there is no compensation for pain and suffering and emotional distress and therefore not responsible for it. This means that the claims are usually paid in the "property damage to others' coverage or coverage for "bodily injury" and all these statements are set to actual cash value (ACV) basis.
Mexico is not as litigious a society such as the U.S. and because this is very rare to have a claim over one hundred thousand dollars. Property Damage to others can approach this limit, but it is rare to have a bodily injury claim reaching this limit. Incidentally, this is completely contrary to the way that complaints are resolved in the United States.
The liability insurance you purchase from a Mexican insurance will not cover for you for a claim against the United States, which is only going to cover in Mexico. Therefore, if you have an accident in Mexico will cover any legal action against him in Mexico, but not for a suite against him in the United States.
Second, let's take a look at car insurance. You can not make a big difference in rates, coverages, limits and deductibles from insurance companies Mexican different so lets take a look at some of the things that you should pay attention. You will want a combined single limit coverage, some companies reduce the amount of insurance to pay for the use of the limits of separation. The standard used in an automobile policy of Mexico is a single limit combined one hundred thousand dollars. Stay away from the boundaries of division. Another very significant coverage of Legal Aid and Travel Assistance, sometimes these as shown as additional coverage, but are essential. Without these two coverages you going to pay their own legal expenses until liability is determined.
Finally, an auto policy excludes both Mexico and the partial theft vandalism. The policies of the United States are generally "all risk" policies, but policies in Mexico are "named perils" policy. These policies provide coverage for collision, fire, theft total, some natural phenomena, and other hazards. In the U.S. we are accustomed to a fixed deductible, but the car often Mexican policies have a deductible as a percentage of the insured vehicle.
About the Author
It is essential that before you buy Mexican car insurance check with the insurance professionals. We have been helping people with their car insurance for Mexico needs for years. You can depend on us.
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