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How To Buy Mexican Auto Insurance Using This Little Known Technique
earn Why Your Current Auto and medical insurance needed.
And Medical Plans Are Not
Enough Driving and Mexican Law
Mexico consistently ranks amongst Mexico’s law is based on
the top ten destinations for Napoleonic Code where guilt is
travelers. Its tropical resorts assumed over innocence. As a
and mountain retreats offer a result, all drivers must have a
range of activities from shopping Mexican insurance policy from a
to adventure sports. It also company authorized to do business
creates the right circumstances in Mexico to cover damages or
for accidents and injuries. injuries.
According to the Department of “U.S liability insurance is
State, the lead U.S. foreign simply not valid in Mexico,” says
affairs agency, many American Linden Gray, Director of the
visitors assume the standards of http://MexicanInsuranceStore.com.
security and safety are the same “That even includes most of the
as they are in the U.S. These major U.S. collision and
presumptions have lead not only comprehensive coverage plans.”
to serous injuries, but even
deaths. Compounded by differences In addition to the required
in Mexican law, accidents and Mexican auto insurance, you
medical emergencies can become a should also consider a plan that
costly and bureaucratic covers legal aid and bond fees.
nightmare. As a result, the
Department of State urges “In Mexico, it is considered a
citizens to take responsibility felony to have a traffic
for their safety, and to also accident, says Gray. “While the
ensure that they have the auto police are investigating who is
at fault, your vehicle may be medical assistance plans only
impounded and you will be cover portions of the cost
detained by Mexican authorities.” depending on location, activity
or cause of injury. For those
The Department of State further with the Social Security Medicare
warns U.S. travelers that they Program, costs for hospital or
can be prevented from leaving the medical care outside the United
country even if “life-saving States are not covered at all.
medical care” is required.
“It’s important to fill the gaps
Emergency Medical Services and exclusions that your auto and
medical insurances have,” says
Mexico has a free national health Gray. “In addition to Mexican
care system; however, visitors auto insurance, travelers should
are not entitled to this service. add an emergency medical
Tourists can only receive medical assistance option because most
treatment and medications from health plans exclude medical
private clinics and hospitals. evacuation in foreign countries.”
Gray’s company strongly urges
customers to check their medical Gray recommends a plan like
insurance company to confirm Assist America which is used by
whether their policy applies in the American Medical Association
Mexico and whether it will cover and the American Red Cross. This
emergency expenses such as a type of plan provides services
medical evacuation. such as emergency medical
evacuations, critical care
Surprisingly, most Mexican auto monitoring, and guaranteed
insurance plans will only help hospital admission.
you find a facility, and may only
cover up to four passengers. Many Selecting A Plan
their locations. Look for medical
The easiest and quickest way to emergency assistance plans with
find Mexican auto insurance is very few limitations or
online. When selecting a plan, exclusions such as:
look for one that offers the
following: • Maximum Of Number of Passengers
(Other Plans Only Cover Up To 4
• Third Party (Civil) Liability Passengers)
• Medical Expenses for Driver and • Limits less than$100,000 per
Occupants passenger for Any Medical
• Assist America Medical and Assistance Service Including
Travel Assistance Expensive Air Or Land Evacuation.
• Physical Damage and Total Theft • Rural Mexico Territory
of Vehicle Exclusion. (Almost all emergency
• Legal Assistance and Bail Bond assistance wording says “We will
• Roadside Assistance do the best we can in rural
• Partial Theft and Vandalism Mexico”)
• Guaranteed Hospital Admission • Exclusions For Pre-Conditions
(Except Late Pregnancy)
Make sure the plan covers you • Sport Or Adventure Activity
during your entire stay. Most Exclusions (Surfing, Cycling,
plans have daily, six month, and Mountain Biking, Mountain
annual policies. Climbing, Snorkeling, Kayaking Or
Diving In Mexico Are All OK with
In addition, take into Assist America )
consideration the type of • Civil War Or Terrorism
activities you plan to enjoy and Exclusions
About the Author:
The Director of Mexican Insurance Store, Linden H. Gray, has over 29 years retail, wholesale, and direct insurance experience. Visit http://mexicaninsurancestore.com in Perris, CA for more information about Mexican Auto Insurance. Policies can be ordered and printed online in minutes.
Read more articles by: Linden Gray
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