Whether you want to tour the various archeological sites and ruins or explore the pristine beaches, Mexico has something for everyone. It is a country that is stunning in its beauty, but its greatest attraction is its people, they are warm and friendly with a rich cultural heritage. A wonderful time can be had by the whole family during a vacation to Mexico. Before you go to Mexico be sure that you prepare for the various legalities of an international trip, and one of those legalities is Mexican car insurance.

Mexican car insurance can easily be purchased online from any number of different insurance companies. Now, before I go any further I want to make it crystal clear that you do in fact need to purchase an insurance policy from a Mexican insurance company. I know that some major carriers offer limited coverage within Mexico, this is usually limited to within twenty-five miles of the border. Some people assume that because their insurance policy will provide coverage in Mexico that they don’t need to purchase additional insurance, but nothing could be further from the truth. In order for the government of Mexico to recognize the insurance as proof of financial responsibility it must be issued by a Mexican insurance company. Your United States policy is not considered valid by the Mexican government.

Now, before I go any further I want to make it crystal clear that you do in fact need to purchase an insurance policy from a Mexican insurance company. I know that some major carriers offer limited coverage within Mexico, this is usually limited to within twenty-five miles of the border. Some people assume that because their insurance policy will provide coverage in Mexico that they don’t need to purchase additional insurance, but nothing could be further from the truth. In order for the government of Mexico to recognize the insurance as proof of financial responsibility it must be issued by a Mexican insurance company. Your United States policy is not considered valid by the Mexican government. Mexican car insurance can easily be purchased online from any number of different insurance companies.

There are some coverage differences between the Mexican and United States policies. Don’t forget to check this particular box, because you want this coverage. Legal Aid and Travel Expense will be listed on the application as optional coverages. Please do not consider them to be optional, because they are essential. Without both of these coverages you will be responsible for all legal expenses until liability is determined. Remember that bit about being guilty until proven innocent, it applies here as well.

Because pain and suffering and emotional distress are not paid in Mexico bodily injury claims are usually less than those in the United States. A single limit policy allows a greater percentage of the claim to be applied to property damage as would normally be the case in a Mexican claim. I recommend that you purchase a combined single limit of not less than one hundred thousand dollars.

Because there is an exclusion for both Partial Theft and Vandalism, for theft coverage to apply the entire car must be missing and not just parts of it, like the radio or tires. Vandalism is not covered, so that the broken windshield or the keyed car will be the owner’s responsibility.

Please have an enjoyable vacation while in Mexico. It is one of the most spectacular places on earth. One of the ways to ensure that your vacation goes as well as you would like it to purchase the right Mexican car insurance.

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Only a Mexican car insurance policy, written by a Mexican insurance company will be recognized as valid in Mexico. Mexico has the same financial responsibility laws as does the United States and Canada, with the only difference between the United States and Canada and Mexico is the different legal systems. Mexican law does not recognize any insurance that was not written by a Mexican insurance company.

There are a few people out there that are under the belief that their United States insurance policy will cover them in Mexico, and there are a few major carriers that will provide limited coverage, usually within the first twenty-five miles of the border. Do not confuse this with proper insurance. I know that your insurance company is very reputable and will pay all legitimate claims, whether in the United States or Mexico, but that is not the issue. The question is not if a claim will be paid, but if the Mexican government will consider your policy as valid proof of financial responsibility. Valid proof of financial responsibility must be provided by a Mexican car insurance company.

Because the Mexican government doesn’t have the authority to suspend your driver license or anything similar, some would question the seriousness of a minor traffic ticket in a foreign country. To answer that question let me explain that in Mexico failure to provide proof of financial responsibility it is not a misdemeanor but a felony. Furthermore, under the Mexican legal system you are guilty until proven innocent, that mean that if you are involved in an accident and don’t have Mexican car insurance from a Mexican insurance company you will most certainly be spending your vacation in jail. That doesn’t sound like my idea of a fun vacation.

There are a few differences between the United States policies and the Mexican policies. In the United States it is common to have very high Bodily Injury limits and relatively low property damage limits. The use of a split limits is common in the United States and accomplishes the purpose of combining high Bodily Injury limits with low property damage limits quite well.

On the other hand, because there are virtual not payments made for pain and suffering or emotional distress, bodily Injury claims are usually relatively low in Mexico. This means that the majority of the limit should be available for property damage claims. The use of a split limit is unwise in these circumstances. The usual standard is a combined single limit of one hundred thousand dollars.

One of the differences between United States policies and Mexican policies is that Mexican car insurance policies do not cover vandalism or partial theft. That means that if someone were to break a window you would be responsible for the damages. In order to file a claim for theft your car needs to be gone.

Legal Aid and Travel Assistance coverages may be listed as optional on the application, but you shouldn’t consider them to be unnecessary. Without both of these coverages you will be paying for your own legal expenses until liability is determined. Remember that in Mexico you are guilty until proven innocent. Don’t be left without these coverages.

Mexico is a spectacular place to visit; the beaches are wonderful, the people are warm and friendly, the food is delicious, and a great time can be had by the entire family. Make sure that your vacation is as rewarding as it should be: Purchase the right insurance from the right company at the right price. Buy the right Mexican car insurance before your vacation to Mexico.

Please do your research before your purchase ofMexican car insurance. Don’t think that the cheapest is the best, because sometime you do get what you pay for. Take a look at the insurance for Mexicospecialists.