Most people who write articles about Mexico ask the same question. Why buy Mexican car insurance? The answers are simple, really. To protect your life and property from torturous circumstances in case you get in an accident, or out of the country, or even when you return back to your native country because of damage sustained at any of the places you have visited.
We give a lot of advice about what you should do and which places you should visit. We also give advice about what you should see and what you should do when you are in your destination. However, we give no advice about how to buy Mexican car insurance.
Why is it important that you buy Mexican car insurance?
It is important that you buy your Mexican car insurance either directly from Mexico or from a travel agent in your home country. To be able to do this, you will have to visit a Mexican auto agent and to ask some specific questions.
These questions try to figure out whether the coverage you might have is different from the type of insurance you have in the United States. The Mexican agency will ask you questions such as:
Have you been to Mexico in the past?
Do you have Mexican residence papers?
Did you bring any family members with you?
Where did you purchase your Mexican car?
departed from the United States?
Are you a US citizen?
The answers to these questions will help the agent to determine whether or not you might be eligible for local coverage.
It is important that these details are answered before you purchase any coverage for your vehicle. For example, if you live in California, and you purchase Mexican car insurance, you will have to apply for the coverage from the nearby insurance company, and not from your credit card company.
The coverage that you purchase from your credit card company is not the same as the Mexican car insurance that you would get from your auto insurance company. The difference is that the Mexican company will require that you have coverage for the RV that you own.
Therefore, if you want to live in Nevada, and you do not want to insure your RV, you should not purchase the coverage from your credit card company. Instead, you should go on the Internet and locate a local RV insurance company. There are many companies that provide coverage for recreational vehicles in Mexico.
What typically all of the coverage includes is loss or damage to your motor home, property, and personal possessions. Other portions of the coverage that many companies require is loss or damage to your RV and possessions, and fire and explosion insurance policies.
The coverage can vary according to the type of RV that you own. The most basic and basic Mexican RV insurance policy will include loss or damage to your motor home, and limit coverage to the purchase of new or used motor homes. Many U.S. RV insurance policies include loss or damage to your motor home, and limit coverage to the purchase of new or used motor homes. It is important that you carefully evaluate the coverage that is offered to you.
If you have the option to purchase add-on coverage, many U.S. insurance companies will sell add-on coverage that will pay for services such as replacement of your motor home, as well as property insurance should you get stuck on a road in a damaged state. Most policies limit your total coverage to $1,000, but many of the added services can cost very much more. You should be sure that the add-on coverage will cover any repairs that need to be done on your RV.
Be sure that the coverage you get does cover everything that is needed. The coverage contract should clearly spell out what is covered in the policy. The coverage limits should be no more than $50,000, and it should cover the vehicle’s make, model, and year.
Categories of RV Insurance policies
The three major providers of RV insurance are:
Some travelers’ groups may prefer single trip coverage, though many RV insurance firms provide multi-trip policies.
clusion in the coverage of the highways and roads you will travel on;
liability coverage, which is meant to hold parties responsible for any damages caused by their own negligence; and
liability coverage of Farmers Insurance, the cost of water poorer areas like those in Mexico, all in one package.
The Mexican RV insurance policy should not only cover damages caused by unavoidable happenings, but also cover protective measures that are required to keep you safe in case you get into trouble with your RV.
It’s wise to ask an RV insurance agent questions about their company before you purchase your coverage. You may need to change your mind after waiting several months to get your new policy. Check to see if your current insurance policy is accepted by other insurers. You want to make sure your current policy is up to date.