US & Canadian Auto Insurance coverage Whereas Driving in Mexico

As we clarify in a associated article, your US or Canadian insurance coverage coverage, nevertheless complete, can not cowl you for third get together legal responsibility in Mexico, so it’s good to buy a Mexican auto insurance coverage coverage to be correctly coated once you’re driving the automobile right here.

Can I cancel my US or Canadian auto insurance coverage whereas I’m in Mexico?

Some individuals who drive their foreign-plated vehicles to Mexico and intend to remain for prolonged intervals —or  stay right here for a part of the 12 months— ask us if they’re able to cancel their US or Canadian insurance coverage coverage whereas their Mexican auto insurance coverage coverage is in power.

The reply is that it’s good to preserve sufficient insurance coverage protection in place to take care of the automobile’s authorized registration in your house nation.

For instance, most US states require that you simply preserve a coverage in power that gives at the least third-party legal responsibility protection for the automobile.  For those who fully cancel your US insurance coverage coverage, most US states’ motorized vehicle departments will robotically cancel the automobile registration, making the automobile unregistered, and due to this fact unlawful to drive in any nation.

While you buy Mexico auto insurance coverage by our associate MexPro, the insurance coverage stays legitimate for as long as the automobile stays authorized to drive—and that is true for different insurers, too.

Adjusting insurance coverage protection as you journey and again forth between Mexico, the US and Canada

Most individuals who intend to remain in Mexico long run modify their auto insurance coverage protection plan to take care of the minimal authorized protection necessities whereas the automobile is located in Mexico. (Exact necessities range – examine with the state your automobile is registered with.) Then, every time they drive again to the US or Canada, they name their agent and add the collision and complete coverages again onto their residence coverage. So by working together with your US or Canadian automobile insurance coverage agent, you may scale back/enhance the protection limits as wanted and find yourself paying much less, whereas nonetheless sustaining insurance coverage and retaining the automobile registered/authorized.

For full particulars about the right way to be correctly coated in your subsequent highway journey in Mexico, hook up with our Mexico Auto Insurance coverage Information, from which you can too hyperlink to stay quotes and prepare your cowl on-line by our companions, MexPro.

Study extra about driving in Mexico

Mexperience gives articles with insights that can assist you put together in your highway journey and drive confidently in Mexico.