Rental Cars in Mexico: Do You Need Separate Auto Insurance?

Traveling to Mexico can be an enjoyable and enriching experience. This southern neighbor’s proximity and land connection with the United States may make it convenient and relatively easy to visit compared with many other attractive destinations. But if you drive south of the border, you should be aware that Mexico has its own laws regarding auto insurance, and failing to adhere to them could derail your trip.

How Does Auto Insurance in Mexico Work?

Whether you plan to rent a car or drive your personal vehicle across the border, you are generally required to secure Mexican auto insurance. Although your domestic coverage may apply to vehicles you rent, U.S. auto insurance policies are typically invalid throughout your travels in Mexico. Because Mexico law requires auto coverage, you should not risk an uninsured journey. To avoid potential fines and other legal issues, work with a qualified insurance professional such as those at Ayala Insurance Services.

What Does Mexican Auto Insurance Cover?

Like their U.S. counterparts, Mexican auto insurance policies can often be customized to suit your unique circumstances, including your needs, budget, risk tolerance and preferences. Many coverage options may resemble those available in the United States, although terminology may differ slightly. You may be offered the following coverages in your rental car insurance:

• Liability coverage is typically required by law and may assist with third-party losses should you be at fault for an accident that causes bodily injuries or property damage.
• Physical damage coverage may be pivotal in paying for repairs or other losses should your rental vehicle be stolen or damaged by a collision, vandalism, fire or severe weather.
• Medical payments coverage can help you and your passengers manage health care bills for injuries sustained in an accident.
• Roadside assistance coverage may provide financial aid if your rental car breaks down while driving on Mexican roads.
• Legal assistance coverage may be necessary to help you pay for an attorney and bail bonds following an accident for which you may be at fault.
• Medical evacuation coverage can ensure that you and your passengers can be transported to health care facilities following an incident.

We’re Here to Help

As a dedicated member of the Phoenix community, Ayala Insurance Services is well-positioned to help travelers secure appropriate Mexican auto insurance before they head south of the border. Visit our website or call (602) 277-1900 today to speak with one of our knowledgeable agents and learn more about your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.