{"id":1230,"date":"2018-09-27T13:00:13","date_gmt":"2018-09-27T13:00:13","guid":{"rendered":"https:\/\/com.sx-magazine-wp.sixt.io\/magazine\/?p=1230"},"modified":"2022-05-19T13:08:22","modified_gmt":"2022-05-19T13:08:22","slug":"mexico-car-insurance","status":"publish","type":"post","link":"https:\/\/www.sixt.com\/magazine\/tips\/mexico-car-insurance\/","title":{"rendered":"What to Know About Mexico’s Mandatory Car Insurance"},"content":{"rendered":"
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As we previously discussed<\/a>, there\u2019s certainly more to Mexico than meets the eye. This country is packed with unique and diverse attractions scattered throughout the country, from the beaches along the Pacific Coast to the Mayan ruins in the Yucatan Peninsula. If you\u2019re a tourist or business traveler on a tight schedule, driving gives you more freedom and flexibility. Though Mexican roads have a less-than-stellar reputation, it\u2019s not as bad as pop culture makes it seem. You not only cover more ground in less time, but you can drive to \u201coff the beaten path\u201d destinations that can\u2019t otherwise be reached. And let\u2019s face it, what better way to enjoy the coastlines of Cancun, Los Cabos, and Tulum then by car? While driving in Mexico is quite straightforward, there’s a catch: Mexican car insurance is not only necessary but mandatory<\/strong>.<\/p>\n

But don’t let that deter you from driving in Mexico! Simply keep calm and read on to arm yourself and learn more about Mexican auto insurance and why you need it.<\/p>\n

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From ruins to beaches, Mexico is packed with many destinations that are just a drive away.<\/strong><\/figcaption><\/figure>\n

Why You Need Mexican Car Insurance<\/h2>\n

Before you start thinking this is some money-grabbing scheme targeting foreigners, all drivers are required to have liability insurance. Unfortunately, the Mexican legal system is much less lenient if an accident occurs. When it comes to driving, Murphy\u2019s Law is a very real threat, no matter how carefully you drive. If you get into a car accident while in Mexico, there may be trouble even if authorities can’t determine who’s at fault. Mexican authorities can legally arrest you and impound your car.<\/p>\n

If you’re at fault, you’ll be detained until money matters are settled. Herein comes the car protection plans, which ensures that there\u2019s a proper way to pay the damages. Therefore, mandatory car insurance is simply \u201cproof of financial responsibility\u201d to ensure that damages during an accident can be paid. Without insurance, paying for the damages will take longer to resolve and certainly put a damper on your vacation.<\/p>\n

Rent a car in Mexico<\/a><\/p>\n

Renting a Car in Mexico? You need car rental coverage<\/h3>\n

For those that live north of the border, you\u2019ll find that renting a car in Mexico is no different than renting a car in the US. Same as in the US, you need to arm yourself with a valid credit card, driver\u2019s license, and passport. You can also book in advance online or through the App<\/a> to get a better rate. The only difference is the mandatory car rental insurance in Mexico.<\/p>\n

Mandatory: Third Party Insurance (TI)<\/h4>\n
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When you rent a car in Mexico with Sixt, this mandatory insurance is automatically included at checkout.<\/strong><\/figcaption><\/figure>\n

When you rent a car with Sixt<\/a> in Mexico, we offer a Third-Party Insurance<\/strong> at check-out. This is basic personal liability insurance<\/strong> that will satisfy the mandatory insurance requirement. In case of an accident, this covers personal injury claims or material damages you cause to the other driver. However, it does not cover injuries you may suffer or damage done to the rental car. If you decide to rent with another car rental provider, review the terms and conditions before booking. Oftentimes, this is automatically included during bookings, but if in doubt, check it.<\/p>\n

Protection coverage for the vehicle rented includes Third Party Liability with a maximum cover for personal injuries and material damages.<\/p>\n

Excluded from the protection is the use of the vehicle for the transport of dangerous goods. All protection as part of the rental contract will become void, in particular, if an unauthorized driver has used the vehicle or if the driver of the vehicle does not possess the required driver’s license at the time of the event giving rise to claim.<\/p><\/blockquote>\n

Additional Peace of Mind Options<\/h4>\n
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For better peace of mind, you can add more protection to your car rental.<\/strong><\/figcaption><\/figure>\n

In case you need some extra protection, you can also opt for additional protection options. These are not mandatory, so you are free to add them for your own peace of mind while driving through Mexico.<\/p>\n