 |  |
 | |
| Processing Payment |
Many people are surprised to learn that their U.S. or Canadian auto insurance does not cover them when driving in Mexico. Although true, some U.S. insurance companies may offer a limited extension of vehicle theft and damages coverage up to a specific number of miles. It's important to have at least a Mexican liability policy to prove your financial responsibility. The only other way to prove financial responsibility is with large sums of cash.
Just as U.S. authorities will not accept a Mexican auto insurance policy for an accident, Mexican authorities will not accept a U.S. or Canadian policy either. Mexican law will not recognize U.S. or Canadian auto insurance policies.
This can vary company to company, but in general limited coverage may mean:
Generally no. Some U.S. companies say they do offer liability, but this can be misleading since it will not be recognized by Mexican authorities. The U.S. insurance company may also have certain conditions to be met first, for example, that the accident involved another U.S. citizen and/or your Mexican insurance liability limit has been exhausted.
The 21st Century website states:
Your policy contract does not provide any coverage for losses that occur in Mexico. If you would like temporary Mexico coverage, you must purchase the Mexico Coverage Endorsement.
Please note: **MEXICAN AUTHORITIES WILL NOT RECOGNIZE THIS COVERAGE EXTENSION AND MEXICAN LIABILITY INSURANCE MUST ALSO BE PURCHASED FROM A LICENSED MEXICAN INSURANCE COMPANY.**
Exception - Texas: The Texas policy contract automatically provides coverage for losses that occur in Mexico, using the same guidelines as the existing Mexico Coverage Endorsement as outlined below.
I’ve used them for years and it’s always been quick and easy to get our insurance when...ng to Baja. I’m reviewing now because I just had one of the best customer service experiences ever. We had gone to Baja last week for the day and on the drive I got 24 hour liability coverage for our car. A couple days after getting home Angela from Baja Bound emailed to see how the trip went and I emailed back great but I had forgotten that we have a yearly policy as drivers in Mexico until Jan 2025 when I purchased the insurance for the day-duh! Angela checked with the insurance underwriters, explained the situation and they refunded what we paid for the day. It wasn’t even on my radar to try to get a refund, I told her because I had thought it was funny that I’m such a knucklehead. It’s really, really refreshing to deal with someone who is so conscientious and diligent about their job. It’s so rare people actually do their job effectively much less going above and beyond like this. Thank you Angela and Baja Bound for your service!
Quick and easy! Never a problem with Baja Bound Ins.
Baja Bound is and has been my go to Mexico insurance company. The website is extremely easy to...e, keeps all your info for a quick purchase and they always have the best price.
