Is buying Mexico Car insurance online Safe?
Buying Mexico car insurance online is as safe as going to a brick-and-mortar company nowadays. There are so many things that you can do on the Internet that folks as little as 20 years ago would never have thought possible. Because you need to be covered when taking a road trip in the country, getting Mexico car insurance online is the easiest way to be compliant with the law. It should be one of the first things you should plan on and execute prior to any excursion across the border.
Buying Mexico car insurance online can get you out of trouble
It is well-established that the best way to see all that Mexico has to offer is by road, but it does require some knowledge about rules of the road and the language. You should also familiarize yourself with the laws, including what you can and cannot bring in, what you need to drive your car through Mexico, and what to expect on the road.
Despite how close it is to the US, Mexico is a sovereign nation with its own laws, and you will not be able to call on your citizenship to bail you out of trouble. This includes any legal problems that may accrue from being involved in an accident. The way Mexican drivers act can be bewildering to someone who is used to a different kind of road culture and courtesy and missed signals can lead to car accidents. For example, a left signal can mean many things, and actually turning left at an intersection is just one of them. It could mean that the driver ahead of you is telling you it is okay to pass on the left. But then again, it could mean the driver intends to turn left after all. If you are not carefully, you could end up hitting a car through no fault of your own. However, in Mexico the one who hits, pays.
So it is quite important to have insurance when seeing the sights in Mexico. The availability of Mexico car insurance online only makes it easier to be prepared.
Getting Mexico car insurance online needs research
It is also true that you pay something for the convenience of getting Mexico car insurance online. It is well-known that the Internet is the easiest pay to perpetuate fraud, so you need to be on your toes when purchasing anything online. The laws in any country have not precisely caught up with all the cybercrimes being carried out, so even if you are a victim of fraud it is not at all easy to prosecute the perpetrators.
On the other hand, the Internet is also an excellent source for investigating companies that offer Mexico car insurance online. There are several sites where you can check the experience of those who have gone before you and see if the company you are considering is legitimate or provide good service. You can check consumer forums regarding Mexico car insurance online. Whatever site you choose, just makes sure that you do your research thoroughly before you commit to any policy or send payment.
Remember that Mexico car insurance online should include liability
With all your plans on getting the best Mexico car insurance online, you might forget that liability insurance is mandatory when driving a car in Mexico. It is not merely a matter of forward thinking; it is actually a crime to drive in Mexico without valid liability insurance. There is some emphasis on “valid”; this is because if you are involved in an accident, and the insurance company who issued you your policy is not accredited by the Mexican government, it will not be accepted. This includes any insurance that originated in the US, even if the policy covers you in Mexico, which it probably will not. You could get thrown into prison until such time as you can pay for any injuries and damages incurred by a third party in the accident.
If for any reason you are stopped by the police, you should have a copy of your car registration, temporary import permit (TIP) and proof of liability insurance as well as your driver’s license on hand. Failure to present any of these can also land you in jail and made to pay a fine. Since the TIP is required for all foreign-registered vehicles, and to get a TIP you again need to show proof of a valid liability insurance policy, it is definitely a priority to arrange for liability insurance. Mexico car insurance online makes this much easier than it would otherwise be.
Rented vehicles and Mexico car insurance online
If you are renting a vehicle in Mexico instead of bringing your own car, you will not have to worry too much about getting Mexico car insurance online as liability insurance is normally included in the rental fee. If you are in doubt, ask the rental agent about it. However, it should be noted that changes in the law has raised the limit for wrongful death claims in Mexico from US $50,000 to $300,000. Make sure your rental has at least that much liability coverage; pay extra if you have to.
But even if you have liability coverage, you still need to get Mexico car insurance online to cover own damage and personal injury. Liability insurance only covers third parties, so avoid paying for your medical bills and damage to the vehicle out of your own pocket by getting personal injury and collateral damage insurance.
It may not be the most pleasant thing to prepare for, but accidents will happen and nobody knows when. When planning a vacation to across the border, make it a point to get Mexico car insurance online as early as possible to get it out again.
Make sure to check out West Coast Mexico Insurance services for broader coverage’s and competitive quotes.