A liability-only policy will cover damages you cause to third parties. Unlike a full coverage policy, liability - only does not cover physical damage or total theft of your vehicle. Our liability-only policies also include medical payments for occupants of your vehicle (except for motorcycles), legal aid and bail bond, and roadside assistance (for most vehicles). Keep in mind the majority of drivers in Mexico do not have insurance. If you purchase a liability-only policy and are hit by an uninsured driver, the policy will not cover damages to your vehicle.

All of our policies have stated deductibles. The minimum deductible we offer is $500 for physical damage and $1000 for total theft. If you have a physical damage loss (collision), the deductible amount is the amount you will be responsible for paying when the repair is made. If your vehicle was stolen, the deductible is the amount the insurance company will deduct from the vehicle value before paying you and/or your vehicle´s finance company.

A driver´s license policy is a liability-only policy that insures up to 3 drivers. This type of policy is convenient for drivers who have more than one vehicle that they regularly drive. This allows them to have one policy, yet have the flexibility to drive different eligible vehicles. It is important to keep in mind this policy will not cover any damages or theft of the vehicle. We offer policies with medical payments for passengers of your vehicle. This type of policy is only available as an annual policy.

Most policies include roadside assistance which is available 24/7 by calling the number listed on the front of your policy. This coverage includes towing, lockout service, jump start service, fuel service, and flat tire service. Legal aid and bail bond is available 24/7 by calling the number listed on the front of your policy. Legal aid includes legal defense. Other benefits offered by the policies may include medical assistance, medical references, land medical transportation, air medical transportation, trip continuation assistance, tourist information.

The claims process is similar to the process in the U.S. After you file the claim, all the relevant information will be gathered and the amount of the loss will be determined. If the vehicle needs to be repaired, a repair shop will be chosen and the repairs will begin. If the vehicle is a total loss, the company will value the vehicle according to pricing guides like the Kelley Blue Book and Nada Guide. Claims must be filed in Mexico before returning to the U.S. Call the number on the face of your policy.

Our underwriters, Ana Insurance pay claims in U.S. dollars and at U.S. repair rates when possible. Why is this important? Some underwriters pay out based on Mexican pesos and Mexican repair rates which means the full cost of the repair will be covered only if your vehicle is repaired in Mexico. With some other underwriters, if you want to repair your vehicle in the U.S. because it is more convenient, you will end up paying the difference because the repair rate in Mexico is much lower than that of the U.S. Generally the payout from some other underwriters only covers one third of the value of the repair if you decide to get the vehicle fixed in the U.S. It is important to know your underwriters and how they pay a claim before purchasing their product.

Yes, please call our office toll free Monday-Friday 9am - 5pm Pacific time for assistance.

If your policy has not yet begun, please call our office toll free Monday-Friday 9am - 5pm Pacific time for assistance. If your policy has already begun, you may or may not be able to get a refund depending upon how much time has passed. The refund is calculated according to the premium earned on the number of days used. Premiums are fully earned by the insurer within the first 20-30 days they are active. We cannot cancel any policies when a claim has been filed. If you need to cancel a policy or change a vehicle, please call our office toll free Monday-Friday 9am - 5pm Pacific time.

To fill out the online form quickly, we recommend having your driver´s license, registration, U.S. or Canadian insurance company name, and a credit card handy.

The California Department of Insurance has an online publication to help consumers learn about automobile insurance called Automobile Insurance 101. Under the title “What Else Should I Keep in Mind?”; is information about Mexican auto insurance. The Department states the following: “Review the territorial provisions of your policy with respect to driving in Canada and Mexico. Generally, Mexico does not recognize liability insurance issued in California. If you are involved in an accident in Mexico, you are subject to Mexican legal requirements. Therefore, it is strongly recommended that Mexican insurance be purchased prior to entering that country. Some California issued policies do extend limited physical damage (comprehensive and collision) coverage on vehicles for a limited distance while operating in Mexico. The Arizona Department of Insurance has an online page called ”Liability Coverage. This page states the following about Mexican insurance: “Will my Arizona personal auto policy provide coverage if I drive my vehicle into Mexico? Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your Arizona personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border), but this coverage does not meet the insurance requirements of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico”.

In case of an accident in Mexico, you are required to prove your financial responsibility at the scene. Mexico´s legal requirement for liability in case you are at fault varies by state or sometimes municipality. A new Federal Law in Mexico states that in case of fatalities to third parties, beneficiaries may be paid approximately U.S. $25,000 minimum, and up to $250,000 or more based on the exchange rate. Each state may then enforce this law along with their state laws. Most U.S. and Canadian citizens feel more comfortable with higher limits especially if they own homes and/or businesses. We offer policies from U.S. $50,000 to $800,000 and limits in between.

Maybe. If you have a loan or are leasing your vehicle it is recommended to read your contract or contact the finance company to see if you may take your vehicle out of the U.S. Generally finance companies do allow this and will issue a letter of permission. The letter of permission is for your records and is sometimes necessary in case you need a vehicle permit (Baja does not require a vehicle permit).

Yes, but the Secretary of Tourism of Baja California recommends driving your own vehicle. If you do go to Baja in a borrowed vehicle, it is highly recommended to carry a notarized letter of permission from the owner of the vehicle stating that the vehicle may be driven in Mexico by the borrower. This letter may be handy in case Mexican authorities question you about the vehicle being in Mexico. A letter is especially important when the owner of the vehicle is not in Mexico, or the owner is a business or non-profit group.

Not unless the Mexican citizen is driving with a U.S. citizen in the vehicle. If not, you risk permanent confiscation by Mexican customs officials who view the vehicle in this situation to be contraband.