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Mexico Tourist Auto Policy
This coverage protects you in the event you cause injury or death to another person or damage to property of others. This is one of the most important coverages to protect you when you are at-fault in an accident. Limits for this coverage start at US$50,000, with higher limits available. Driving in Mexico without Third Party Liability auto insurance is a very risky proposition. Traffic accidents in Mexico are both a criminal and civil matter. By Mexican law, uninsured drivers may be incarcerated and their vehicle may be impounded, and usually both happen. Several states in Mexico have enacted laws that hold at-fault drivers responsible for higher financial amounts than under federal law previously in force. Whereas minimum limits of liability insurance used to be sufficient, we recommend you consider purchasing higher liability limits above the basic limits. If you like additional security, Click here to find out about the Deluxe Policy from Grupo Nacional Provincial (GNP), Plus Package from ABA/GMAC, the Premier Package from Genworth, or the Platinum Package offered by ACE Seguros (ACE). These broadened policies increase your basic limits of liability from $50,000 Combined to $150,000 from GNP and Genworth, $170,000 from ABA Seguros, or $100,000/ $300,000 for Bodily Injury Liability and $100,000 for Property Damage Liability from ACE Covers damage to your automobile in an accident with another vehicle or with an object. This is valuable coverage that you should not be without, especially if you have a car loan or lease your vehicle. An explanation of how deductibles work is provided below. This coverage includes Total Theft of the vehicle. Note that Partial Theft is not covered under the basic policy. The deductible is 5% of your vehicle's value with a minimum of $1,000 for autos and $1,500 for all other vehicle types. Partial Theft is covered under the extended or upgrade packages. NOTE: The ABS Seguros, Grupo Nacional Provincial, Genworth, and ACE Extended Packages enhances this coverage. A complete copy of these enhancements is found at the bottom of this page. The standard deductible for vehicle damage or theft in Mexico is a combination of 1.) A deductible calculated as a percentage of the vehicle value, and 2.) A minimum deductible amount. For private passenger automobiles, the "Collision" deductible is 2% of the vehicle value, subject to a minimum $500 and the theft deductible is 5% of the vehicle values, subject to a minimum $1,000 for Theft. For all other vehicles types (pickups, SUVs, RVs, motorcycles, trailers, etc.) the percentages remain the same at 2% and 5% but the minimums are $1,000 for "Collision" and $1,500 for Theft. Following are examples of how the percentage deductible works for two different vehicle values in a “total loss”:
As you can see, the higher the vehicle value, the greater the dollar amount of deductible. For an additional premium we offer a simple “fixed” deductible option that replaces the percentage, with the fixed amount being $500 for Collision and $1,000 for Theft, regardless of the type or value of the vehicle. This is especially valuable for vehicles over $25,000. The Extended Package offered by ABA/GMAC, Grupo Nacional Provincial, Genworth, and ACE automatically includes the "fixed" $500 Collision and $1,000 Theft deductible. Some auto finance companies and leasing companies will not provide authorization to take a vehicle to Mexico unless the deductibles are the “fixed”. As mentioned earlier, a liability accident in Mexico is both a criminal matter and civil matter. Except in serious situations such as vehicular manslaughter, traffic accidents in Canada and the USA are matters of civil law. Legal Assistance coverage will place a Mexican attorney at your disposal in the event you need to deal with authorities following a covered accident. Our superior coverage is competitive with any available in the marketplace. Unlike some Mexican companies, our companies actually provide professional legal assistance at the time you need it in Mexico, rather than leaving you in the lurch by simply reimbursing you when you back home. There is peace of mind in knowing there will be knowledgeable legal support in Mexico to provide the legal assistance you need. Travel Assistance can be a great help at a time of need. Are you aware of the procedures if you lose your passport? Would you like the peace of mind of knowing that towing service for your vehicle or medical assistance is only a phone call away? Travel assistance can help you during these situations. We are there to assist the travelers when they need us most. We will also aid you with travel information, emergency flight/rental car reservations, and emergency roadside towing and assistance. You may never need these emergency services, but if you do, we will be there. When you choose to purchase optional MexVisit Travel Assistance coverage in addition to the regular Tourist Auto policy, your coverage includes not only coverage for your vehicle from Mexico's finest underwriters, but also an excellent travel assistance package. MexVisit includes Emergency Medical assistance including emergency air evacuation to the U.S. or Canada, Travel Assistance, and Roadside Assistance. Please scroll down to read more about this important new coverage, MexVisit. The policy will pay medical expenses of the driver and occupants of the vehicle in Mexico for injuries sustained in a covered accident. Coverage is available for limits starting at $2,000 per person up to $10,000 for all occupants combined. Increased limits to $5,000 per person and $25,000 per accident are available.
Get a quote from 5 different insurance companies, and purchase your policy now!
When added to your Grupo Nacional Provincial Policy as indicated in the space provided on the face page of your policy, and upon payment of the corresponding premium, this coverage modifies and broadens coverage for damage caused by or to the Insured Vehicle, Third Party Liability, Medical Expenses for occupants of your vehicle, fixed deductibles when your vehicle is damaged or stolen: 1. Partial Theft – Total Theft coverage is broadened to include payment only for theft of parts and accessories that are permanently attached to the insured vehicle, excluding video and sound reproduction and recording equipment such as but limited to DVD players, AM/FM radios, Cassette and CD player/recorders, and CB, UHF, and VHF radios. Personal property or objects contained in the vehicle are expressly excluded. The deductible for partial theft is the same as the deductible amount for total theft as noted in item 2. below. 2. Deductibles – the deductible for Collision and Total Theft are fixed at $500 and $1,000 respectively. 3. Vandalism – Vandalism, meaning willful and malicious damage to or destruction of the insured vehicle, is covered by this broadening endorsement. 4. Increased Labor Cost of Repair – Clause 6. on Page 4 of the Terms and Conditions is modified as follows:
The insured vehicle will be considered a total loss at the option of the Company. The deductible applicable to repairs under this clause are the same as the deductible amount shown on the face page of your policy. 5. Section 3, Civil Liability for Property Damage and for Bodily Injury to Third Parties – The Combined Single Limit for Property Damage Liability/Bodily Injury Liability limit is increased to $300,000. 6. Section 6, Medical Expense for Occupants of the Insured Vehicle – The limit for Medical Expenses is increased to $25,000 per accident. Medical Payments coverage is excluded for motorcycles, thus this Clause does NOT apply to Motorcycles. 7. Deductible Waiver in Accidents with Third Parties at-Fault – In the event that your are not at fault in an accident, supported by the corresponding report issued by the corresponding Mexican Authorities, the Company will waive the deductible applicable to Collision, even if such Third Party does not have any insurance that would cover the accident. The Insured, however, must fully cooperate with the Company in order to retain the corresponding right of recovery against the Thrid Party responsible for the accident. Having an accident involving a Third Party at-fault will not hinder nor reduce, in any amount, the limit contracted for under this policy for Medical Expense for occupants of the insured vehicle.
When shown as covered on the face sheet of the policy, and upon payment of the corresponding premium, this endorsement modifies coverage and limits as follows: 1. Increased Limits
for Civil Liability for Property Damage and for Bodily Injury to Third
Parties 2. Increased Medical
Expenses for Occupants of the Insured Vehicle 3. Guaranteed Bond
and Legal Assistance 4. Increased Cost
of Repair Cars: US $50 Per/Hr 5. Fixed Deductibles 6. Partial Theft 7. Vandalism
1. Partial Theft - Exclusion H is eliminated. Total Theft coverage is broadened to include payment for theft of parts and accessories only that are permanently attached to the Insured vehicle, excluding sound reproduction and recording equipment such as but not limited to AM/FM radios, Cassette and CD players/recorders, and CB, UHF, and VHF radios. The deductible for Partial Theft is the same as the deductible amount for Total Theft as shown on the face page of your policy. 2. Deductibles - The Deductibles for collision and total theft are fixed at $500.00 for collision and $1000.00 for total theft. 3. Vandalism –
Vandalism, meaning willful and malicious damage to or destruction of the
Insured Vehicle is covered by this broadening endorsement. 4. Increased Cost of Repair - Clause # 6. on Page 4 of the policy is modified as follows: If the damages to the insured vehicle are repaired in the United States or Canada, the maximum labor cost per hour for repairs will be according to amounts shown per type of vehicle shown below. Currency is in U.S. dollars.
The deductible applicable to repairs under this clause are the same as the deductible amounts shown on the face page of your policy. 5. Section 3, Civil Liability for Property Damage and for Bodily Injury to Third Parties - The Property Damage Liability limit is increased to US$100,000 and the Bodily Injury Liability limit is increased to US$100,000 per person and US$300,000 per accident. These limits will be shown on the face page of your policy. 6. Section 6, Medical Expenses for Occupants of the Insured Vehicle - The limit of liability for Medical Expenses is increased to US$5,000 per person and US$25,000 per accident. Medical Payments coverage is excluded for motorcycles, thus this Clause does also NOT apply to Motorcycles. 7. Increased Medical Payments for accidents with at-fault Uninsured Motorist - In the event that you are not at fault in an accident that results in injuries to the occupants of your vehicle and the driver of the at-fault vehicle is Uninsured, i.e., does not have Automobile Civil Liability Insurance in Mexico, coverage for Risk 6 (Medical Expenses) for injuries to occupants of your vehicle is increased to $15,000 per Person and $40,000 per accident. Medical Payments coverage is excluded for motorcycles, thus this Clause does also NOT apply to Motorcycles. Get a quote from 5 different insurance companies, and purchase your policy now!
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