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 motorcycle insurance can help you pay for damage, provide legal assistance, and even keep you out of jail.
Motorcycle insurance for Mexico can be hard to find since there aren’t many companies that offer physical damage protection. Most riders are looking for something that covers their bike from theft and damage. All the truly good companies have their ratings from A.M. Best and S&P. The minimum liability limit for Mexico motorcycle insurance is $300,000 and it can go up to $500,000. These policies give you help with legal and bond assistance, roadside help and travel assistance too. Physical damage policies cover motorcycle accidents, fires, overturns, theft, and vandalism.
Please note that if you use your motorcycle off-road or to tow, you will need different policies that can cover that. For things like ATVs and UTVs, you will need a different policy too.
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