1. How do I receive the policy I buy on motormexico.com?
2. What information do I need to issue my policy on-line?
3. Is U.S. or Canadian insurance valid in Mexico?
4. How much does Mexican insurance cost?
5. Is it safe to pay for my insurance with a credit or debit card?
6. If I stay in Mexico longer than planned, what must I do to get coverage for the additional time?
7. I will only be in Mexico for a few hours. Do I need to buy insurance?
8. How much insurance will I need?
9. Do I have to pay a deductible if I have an accident?
10. Is the insurance provided by a reputable insurance company?
11. Does my Mexican insurance cover traffic fines in Mexico?
12. What is MexVisit?
13. How does the fixed deductible work?
14. Can I purchase a policy without expiration date, i.e., an opened ended policy?
15. Is there any problem if my driver license has expired?
16. Can I cancel my policy?
17. Can I change vehicles on my policy?
18. Will an underage driver be covered by my policy?
19. I do not speak Spanish? What happens if I get involved in an accident?
20. My lien holder or leasing company needs a "Letter of Authorization" to take the vehicle to Mexico. What do I do?

1. How do I receive the policy I buy on motormexico.com?

After you receive your quote and select “buy now” for the policy you have chosen, you will complete a simple on-line application. After verifying the information is correct you will go to a final step which provides a link for you to open a file and print your policy documents, immediately.

You will also receive two emails, one confirming the purchase and the other providing information to print your policy in case you closed your browser after purchasing but before printing it.

If your computer does not have Adobe Acrobat, a link is provided for you to download Acrobat Reader at no cost.

2. What information do I need to issue my policy on-line?

You will need:

  • The name of your U.S. or Canada auto insurance company
  • The policy number of your U.S. or Canada auto insurance
  • The expiration date of your U.S. or Canada auto insurance
  • Vehicle Identification Number (VIN)
  • License plate number
  • Driver’s license number
  • If you have a loan or the car is leased AND the lien holder or leasing company must give you a “Letter of Authorization” for you to take the vehicle to Mexico, you will need to add the lien holder/lessor’s name, address, and the loan number.
  • A credit or debit card.

It will be convenient to have your U.S. or Canadian insurance I.D.card handy because it contains much of the information mentioned above.

3. Is U.S. or Canadian insurance valid in Mexico?

IMPORTANT: Regardless of what your U.S. or Canadian insurance company says, the Mexican government does not recognize or authorize them to extend coverage to Mexico. By Mexican law, liability coverage must be provided by an authorized Mexican insurance company. The liability coverage offered by a U.S. or Canadian insurance company it is not recognized by Mexican authorities.

CONSEQUENCES: A motor vehicle accident in Mexico is both a Criminal and Civil matter. By law, if the driver can not demonstrate the ability to pay damages at the time of an accident, either in cash or with a valid Mexican insurance policy, the driver may be immediately incarcerated and the vehicle may be impounded; probably both will happen.

Some U.S. insurance companies may extend coverage for damage to your vehicle while in Mexico. Since this extension is between the insured and the U.S. insurer that is no problem under Mexican law. These extensions vary widely from one company to another. If coverage is extended into Mexico, it usually requires the policyholder to purchase coverage from a Mexican insurance company for Third Party Liability. Many companies have a restriction if you travel more than a specified number of miles south from the border. Other companies have restrictions based on the number of days the vehicle is in Mexico.

If in doubt, check with your U.S. insurance company, but remember, you must have a liability policy issued by an authorized Mexican insurer.

4. How much does Mexican insurance cost?

As in the U.S and Canada, the premium in Mexico will vary depending on your circumstances, such as the value of your vehicle, the limits of liability you chose, and the length of time you will be in Mexico. Since each case is unique, the easiest way to find out your cost is to obtain a quote. You can receive a quote in just a couple of minutes.

Get a quote and purchase your policy now!

5. Is it safe to pay for my insurance with a credit or debit card?

Your transaction is 100% safe because our system is based on an encrypted process where your credit card data is maintained strictly confidential. You can check security certification of our website by clicking on the small SSL symbol in the lower right corner of all the application transaction screens.

Our web site processes payments through an important credit card processing company that processes over 100,000 policy payments for us per year and it has never presented a problem.

6. If I stay in Mexico longer than planned, what must I do to get coverage for the additional
time?

If you extend your visit to `Mexico, you need to purchase another policy that covers the extra period of your stay. Please remember that you can purchase your policy online anytime through this web site. All you need is Internet access and a printer.

7. I will only be in Mexico for a few hours. Do I still need to buy insurance?

That depends on whether or not you have an accident. Since it is possible for you to have an accident two feet inside Mexico at the moment you cross the border, at a minimum you should have a policy covering you for Third Party Liability. You never know when you could have an accident . . . which is why it is called an “accident.” For security sake you should have a Mexico policy even if you will be in Mexico for just a few minutes. Please remember that liability coverage must be provided by a Mexican insurance company, no matter how long your stay.

For more information, please see the answer to question # 3.

8. How much insurance will I need?

On November 30, 2013 a revision to Mexican federal law significantly increased the amount of financial responsibility an at-fault person must pay in the event of death in an accident. The law affects all types of liability, including auto, watercraft, home/personal, aircraft, business, etc.

The amount of financial responsibility varies considerably among the states from as high as the equivalent of US $543,800 in two states. It is the equivalent of US $300,000 or more in five states and the Federal District.

Because of these new, much higher limits of financial responsibility we recommend that you consider purchasing the highest limit of liability offered.

9. Do I have to pay a deductible if I have an accident?

Liability, Medical Payments, Travel and Legal Assistance coverage do not have a deductible. For damage to your vehicle in an accident and for theft you will have to pay the deductible. The amount of the deductible depends on the type of policy you buy and the insurance company you buy it from.Quote Example

To find out what the deductible is for the policy you are considering, simply click on the link titled “More Info” which is right underneath the cost of your policy. Following is an example of a quote result:

When you click on “More Info” a dialogue box will open which contains a detailed description of the coverage included in your quote.

If you purchased the coverage upgrade (called Extended Coverage on the Quote Result screen) and the other party is at fault and does not have insurance, policies from ABA Seguros, Quálitas, and Grupo Nacional Provincial will waive your deductible from an accident.

10. Is the insurance provided by a reputable insurance company?

The companies we work with are among the most solid and reputable in Mexico: ABA Seguros, Grupo Nacional Provincial, HDI Seguros, Quálitas* Compañía de Seguro, and ACE Seguros. All have many years of experience operating in this market, and you can have confidence in their solvency. These companies, or their multi-national parent company, are all rated at least “A-“ or “Excellent” by A. M. Best & Co.

*The exception to this is Quálitas, which has applied for rating from A. M. Best & Co. As of April 2010 we are awaiting results from this analysis.

To learn more about our insurance companies, from the navigation menu at the top of all http://motormexico.com/ pages, click on Customer Service then click on Our Insurance Companies .

11. Does my Mexican insurance cover traffic fines in Mexico?

Sorry, it does not cover you for traffic violations. It is the responsibility of each driver to respect Mexico's traffic regulations.

NOTE: Coverage is specifically excluded if the driver is under the influence of alcohol or drugs at the time of an accident.

NOTE: In the event of a covered accident, the insurance covers the expenses for a bail bond and legal assistance required to defend the insured. The amount of the bond depends on the type of policy and the insurance company.Quote Example

To verify what coverage is included in your policy just click on the link titled “More Info” which is right underneath the cost of your policy. Following is an example of a quote result:

When you click on “More Info” a dialogue box will open which contains a detailed description of the limits of coverage.

12. What is MexVisit?

MexVisit is a comprehensive package of travel assistance benefits found with any other agent or insurer. You can include it with daily, six month, and annual policies.

Other agents can offer coverages with the same insurance companies but none of them equal the quality of coverage provided with MexVisit.

a. Emergency Medical Assistance (including emergency air evacuation back to your US or Canadian point of origin, and much more)

b. Emergency Roadside Assistance (out of gas, dead battery, flat tire, keys locked in car)

c. Travel Assistance (lost passport, translation, car parts locater, and much more)

For more information about MexVisit, please click here.

13. How does the fixed deductible work?

A “fixed” deductible is just like your automobile Collision and Comprehensive deductible in the U.S. or Canada. It is a pre-set amount.

For U.S. and Canadian drivers, one of the most misunderstood features of the typical Mexico auto insurance is the deductible for Theft and Collision as a percentage of the vehicle value.

The amount of the deductible varies from company to company. It is very important that you understand how this works. The best way to find out how the deductible applies to the policy you are considering, please follow the instructions contained in the answer to question 9. above.

14. Can I purchase a policy without expiration date, i.e., an opened ended policy?

Unfortunately, it is not possible to have an “open” expiration date because the period of coverage must be stated on the policy to make it valid.

However, you do have lots of options, from one day up to one year, depending on your needs.

And, to make it easier for you, you can issue a new policy from an old one by entering the email address you used to purchase your last policy, and the Password that is printed on the policy confirmation sent to you via email at time of purchase.

If you travel to Mexico frequently, it is much more economical to purchase an annual policy. If your trip is longer than 30 days but less than six months, it is usually more economical to purchase a six month policy. If you request a quote for less than six months but only see Quote Results for a six month and annual policies, it is because the six month policy is less expensive then a policy for the shorter period you requested.

15. Is there any problem if my driver license has expired?

Yes! Your policy and Mexican law requires a valid driver license while driving. And, if you don’t have a valid license at the time of an accident, your insurance may not provide coverage. If in doubt we suggest you renew your license before driving in either Mexico or your home country.

16. Can I cancel my policy?

If your policy period is less than six months, for example, for 5 days, it can not be cancelled once the policy goes into effect. You may cancel a six month or annual policy before it goes into effect or within the first 15 days after the initial effective date. In this case you will be charged for the number of days of coverage. The policy fee is not refundable.

Before your policy actually goes into effect you can cancel it at any time. In this case, a small service fee it retained to cover the processing expense. However, if you notify us and issue a replacement policy, we can get the service fee waived.

17. Can I change vehicles on my policy?

Maybe.

If your policy does not cover your vehicle for Theft and Collision, yes.

If your policy includes Theft and Collision coverage and the vehicle you want to put on your policy has a value that is equal to or less than the vehicle you want take off, yes.

If your policy includes Theft and Collision coverage and the vehicle you want to put on your policy has a value that is greater than the vehicle you want take off, no. Once a policy is issued the companies do not allow us to make changes that affect the premium.

Get a quote and purchase your policy now!

18. Will an underage driver be covered by my policy?

The insurance policy specifies that in case of an accident, the coverage will only apply for drivers between age 18 and 79 years old who have a valid driver license. However, if you did not answer “YES” to the question on the application asking if there are any drivers under 21 years of age, the insurance company can deny any claims if a driver is less than 21 years of age.

19. I do not speak Spanish? What happens if I get involved in an accident?

All adjusters are supposed to be bilingual, Spanish-English. If your adjuster does not speak English and no one can help to translate, you should call the insurance company’s toll free number shown on your policy and request a bi-lingual adjuster.

20. My lien holder or leasing company needs a "Letter of Authorization" to take the vehicle to Mexico. what do I do?

This is easy.

But first a brief explanation. Lien holders have experienced problems collecting when their customers have an accident if the lien holder is not listed on the policy. There are also many cases of people going to Mexico with vehicle that has a loan or lease . . . and they have no intentions of returning to the U.S. or Canada nor of paying off the loan or lease once they move to Mexico. Essentially, this is theft.

To help mitigate these issues, in order to obtain a Temporary Vehicle Import Permit, Mexican Customs requires drivers of leased vehicles or vehicles with loans to obtain a Letter of Authorization from the lien holder or leasing company.

How to get the Letter of Authorization:

Check with your lien holder or leasing company to find out if they have special coverage requirements.

In completing the online application, you will be asked if you have a lien holder, and if the answer is “YES”, the application provides space to include the name, address, and loan number of the lien holder or leasing company. When you enter this information, it will print out on your policy.

You will then fax Page 2 of your policy to your lien holder or leasing company so they can verify the information is accurate. In most cases, lien holders issue Letters of Authorization within 24 hours. However, prior to heavy holiday travel, and especially in the month leading up to Christmas, it is highly recommended that you allow at least a week in advance to plan for this.

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