Two Facts:
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Mexican authorities DO NOT recognize US auto insurance companies (Geico, Allstate, State Farm, etc.)
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By Mexican law, car insurance in Mexico MUST be provided by an admitted Mexican insurance company
Here’s the problem:
In Mexico, an accident means facing a local judge who determines the guilty party. This is very different from the US, where insurance information is exchanged, and we go our separate ways.
The party that is deemed responsible for the accident will be held until their ability to pay for the damage is demonstrated to the authorities. This is best done with cash. In the case that you cannot immediately demonstrate your ability, you will be held in jail.
If you have purchased liability coverage (which is REQUIRED by Mexican Law), this will adequately demonstrate the ability to pay for the damage, and you will not be held in jail.
Additionally, having legal assistance is imperative to a smooth process, since the legal system in Mexico can be very intimidating, especially if you don’t speak Spanish and possess very little knowledge of the judicial system.
The bottom-line is that not having insurance can equal a fine, or worse, jail time. This is why seasoned Mexico visitors call Mexico insurance the "get out of jail free card."
Here's the solution:
We personally use and recommend Adventure Mexican Insurance to all of our guests. In 10 minutes or less, you can get a quote from multiple insurers, choose your policy, and be on the road to Rocky Point. There is no need to stop on your way to Rocky Point and waste an hour in an office.
Adventure Mexican Insurance gives you the option to choose from A-rated Mexican Car Insurance companies, which are subsidiaries of US owned companies.
Choosing a policy from Adventure Mexican Insurance will also cover charges for a helicopter air evacuation to the US, in the case of a serious injury!
I now recommend getting as much liability coverage as possible due to the recent change in Mexico law, which can be seen below:
"IMPORTANT CHANGE IN MEXICO LAW - DEATH LIABILITY: Recent changes in Mexican laws have dramatically increased the amount of legal compensation for fatalities. In the event that a third party is killed, the at-fault party can now be liable for up to 7 times more compensation than before. For this reason, we now recommend purchasing as much liability coverage as possible."
Get your Mexican car insurance right now