If you are planning a trip to Mexico, and you drive your car across the border, your U.S. Auto Insurance policy will not work if you have an accident. You should be sure to check coverage and purchase Mexico Auto Insurance, which we have discussed in past topics. This week, UNO Insurance Agency wants to help Phoenix Arizona travelers understand what to do if they have an accident in Mexico.
Having an Accident with Mexico Auto Insurance
Coverage for a Mexico Auto Insurance policy may be very similar to your U.S. policy. Many of the risks in driving are similar, as well. However, treat any accident you have under Mexico Auto Insurance with much more attention. The methods used to report auto accidents might vary depending where you are. Below are some good guidelines to follow:
- Be sure to keep your passport, driver’s license, and insurance documents together (make copies to bring with you before you leave as well).
- Make sure any passengers are safe and exit the vehicle, if it is safe, move the car out of the way of traffic.
- Be sure to have an international calling plan and coverage, and then call the Mexico Insurance company claims line. Many recommend that you always report an accident, even if it seems minor.
- Wait for the claims adjuster to arrive. When you call, they will also typically dispatch towing and emergency services. They will also help with translation as needed.
If police arrive, note you may be detained until they can do a thorough investigation. During this time, they will determine fault and compensation arrangements. If you are detained, remain calm and ask to contact the local American Embassy or Consulate. They may arrange for representation, and a bilingual legal interpreter. For this reason, you might want to purchase a coverage that will pay for bail, legal, and other costs. It is also important to carry plenty of cash in Mexico currency so you have adequate methods to make payments.
Differences with Roads and Systems in Mexico
A key way to try to avoid an accident altogether is to understand the roads, language, and policies of Mexico before you leave. While laws are similar, signage will be in Spanish and Mexico uses the metric system. This will guide the legal speed and distance limits for the roads. Also, note that drivers in Mexico may change lanes or go through stops and lights differently than in the U.S. Read up on the region’s driving practices before you leave on the trip.
If you want to know more about Mexico Auto Insurance policies and get great auto insurance rates, contact UNO Insurance in Phoenix Arizona for more information!