1. It’s the law! Mexico has laws like the U.S. does, where all cars on the roadways are required to have a minimum of liability insurance coverage. If you get in an accident in Mexico, you will have to communicate with the police and even a judge to show that you can pay for the damage that was caused. Without insurance, you can go to jail, or be fined. Insurance coverage is like a ‘get-out-of-jail-free card.’ (provided you are not illegally and grossly negligent).
2. Your U.S. policy doesn’t cover you in Mexico. Just like how the U.S. doesn’t recognize Mexican auto insurance companies, Mexican authorities don’t recognize U.S. insurance providers. Even if you have a U.S. policy with an endorsement for Mexico, it likely won’t be very helpful in court or provide much protection if you are found to be at fault.
Getting Mexico car insurance is the best way to be protected while driving in Mexico. It’s the law, and your U.S. policy won’t have any helpful coverage if you have an accident. Mexico car insurance can help you pay for damage, provide legal assistance, and even keep you out of jail.
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