☰ ˟
Español / GET A QUOTE / LOG IN / Call Now 800-222-0158
Sanborn's
  • Home
  • Insurance
    • Mexican Insurance
    • HDI Excess Liability
    • Added Benefits
    • Mexican Rental Cars Insurance
    • Frequently Asked Questions
    • Mexico Home Insurance
    • International Health Coverage
    • ATV and Golf Cart Insurance
    • Sell Mexico Insurance
  • Driving to Mexico
    • Drive Mexico
    • Mexico Travel Documents
    • Visa to Mexico, Entry and Customs
    • Banjercito - Vehicle Importation Permit
    • Baja and Sonora Border Crossing
    • Baja Ferries
    • Driving Tips
  • Claims
  • Contact Us
    • Contact Us
    • Follow Us on Instagram
    • Follow Us on Facebook
    • Follow Us on Pinterest
    • Follow Us on Twitter
    • Follow Us on LinkedIn
  • Locations
  • Blog
Home > Blog > What Happens if Your Car Insurance Lapses in Mexico?
THURSDAY, APRIL 2, 2020

What Happens if Your Car Insurance Lapses in Mexico?

Mexico Auto InsuranceTrips don’t always go as planned. Sometimes things change and you end up staying away from home longer than expected. Say you intended to visit Mexico for a week and you need to stay for another three days. The coverage you purchased for your vehicle in Mexico expires at the end of the first week, leaving you without insurance. Sometimes is not days, you planned to be in Mexico for two days, and can't make it to cross the border before the time you policy expires. What then?

First, it’s crucial to be aware of Mexico law. You cannot drive through Mexico without Mexico car insurance. American car insurance is not valid in Mexico. Some insurance agencies have Mexico endorsements, but this coverage is limited and may not cover you for a trip that lasts longer than originally expected. If you’re caught driving in Mexico without proper coverage, you can face hefty fines and even possible jail-time. Repercussions are worse if you, as an uninsured driver, causes an accident that results in bodily injury or property damage to someone else.

Due to changes in Mexican law in 2013 it is recommended to carry $300,000 in car liability coverage in Mexico car insurance.

What to Do If Your Domestic Car Insurance Lapses

If your domestic (American or Canadian) auto insurance lapses while you are in Mexico, it should not affect your Mexico auto insurance policy. You have to make sure that you have the required coverage by law when you intend to cross the border back to the United States, contact your agent to purchase the coverage you need.  

Staying Longer than planned in Mexico? You Need a New Policy

If your trip is unexpectedly extended you will need a new policy. Mexico insurance does not automatically renew or allows you to "add" days to a policy that is in-effect.  You will need to contact your Sanborn's Agent before your policy expires and ask him to issue a new policy for the days you need to continue your road trip in Mexico before you cross back to the US. You can also buy the coverage online, by accessing your account with your email address and password.  

Mexico auto insurance provides the coverage you need as tourist auto in Mexico, and may be different to the one you carry in American and Canadian auto insurance. While liability coverage protects other drivers and passengers on the road, there is additional coverage to protect your vehicle especially if it financed. The longer your vehicle remains in Mexico, the more danger it is in for damage that your American auto insurance won’t cover. This includes:
  • Comprehensive Coverage: This coverage provides compensation for damage to the vehicle due to fire, wind, hail, falling object, theft, vandalism and other dangers not involving collision.
  • Collision Coverage: Collision coverage provides compensation for damage to the vehicle as a result of collision with another vehicle or object.
  • Medical Payments Coverage: Medical payments coverage helps with the medical bills of the driver and their passengers after an accident.
  • Roadside Assistance: Roadside assistance coverage can help if the driver breaks down on the side of the road.
If you are pulled over in Mexico without auto insurance, be sure to cooperate with legal officials. Be sure to carry the correct documents (including a valid driver’s license) to present when requested.
Posted 9:46 AM

Tags: mexican auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017

  • mexican auto insurance(23)
  • mexican car insurance(17)
  • mexico insurance(11)
  • drive mexico(11)
  • auto insurance(9)
  • insurance(8)
  • border crossing(5)
  • safety tips(4)
  • traveling to mexico by car(4)
  • rocky point(4)
  • covid19(3)
  • mexican motorcycle insurance(3)
  • mexican insurance(3)
  • mexico auto insurance(3)
  • tips(3)
  • coronavirus(2)
  • car insurance(2)
  • summer travel(2)
  • banjercito(2)
  • rocky point rally(2)
  • mexico vacation(2)
  • auto insurance coverage(2)
  • pueblos magicos mexico(1)
  • travel essentials(1)
  • auto(1)
  • ammunition(1)
  • day of the dead(1)
  • baja 1000(1)
  • anniversary(1)
  • fmm(1)
  • mexican auto insurance.(1)
  • baja1000(1)
  • hassle-free(1)
  • mexico vehicle permit(1)
  • mexico travel tip(1)
  • rv mexican insurance(1)
  • tamaulipas(1)
  • summer road trip(1)
  • permiso de importacion para mexico(1)
  • cancun(1)
  • travel tips(1)
  • road trip(1)
  • mexico travel(1)
  • reynosa(1)
  • american car insurance(1)
  • things to do in mexico(1)
  • viaja seguro a mexico(1)
  • zone(1)
  • permiso de importacion temporal(1)
  • crossing the border(1)

View Mobile Version

Our Customer Feedback

Read More

Our latest blogs

  • HDI | PARIMA
  • ACE
  • IMG
  • National Unity
Travco Services, Inc.
2009 S 10th Street
McAllen, TX 78503

800-222-0158
service@sanborns.com
CA license 0F69719, AZ license 881621,
TX license 1371649
About
About Sanborn's Insurance/ Company Profile / Mission & Values/ Privacy Policy/ Areas We Serve/ Refund Policy
Insurance Agents
Sell Mexico Insurance/ Agents Login/ Get a Mexico Car Quote/ Arriba! Mexico Insurance Agents
Help
Frequently Asked Questions/ Help Accessing Your Account/ Contact Us/ General Comments & Suggestions
History Contact Blog Search
Facebook Twitter LinkedIn Pinterest Instagram BBB
© Copyright. All rights reserved. Powered by Insurance Website Builder