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When traveling in Mexico, it is important to recollect that the legal system is dissimilar than in the united states. Just like in the US the chance exists of being bound up in an accident. The Mexica...
When traveling in Mexico, it is important to recollect that the legal system is dissimilar than in the united states. Just like in the US the chance exists of being bound up in an accident. The Mexican presidency treats these accidents seriously and under Mexican law, they are considered both civil and criminal offenses. It is interesting that many of us buy insurance on our autos, houses, and lives in the united states with a great deal of care and consideration ; however , when we visit Mexico, we appear to forget the necessity for this vital and legally needed coverage and very casually purchase Mexican car insurance at a drive-in agency at the border as a spur of the moment call. At this point, sometimes an impulse call can be a rushed call and a bad decision.
There is a huge difference regarding Mexican car insurance policies and the categories of electronic policies found around the world Wide Web. Paper policies, on the one hand, are done in the conventional way by agents in tiny insurance offices and mailed to Mexico thru the regular postal system. To explain, the agent fills out all of the bureaucracy by hand goes to the post office and mails your policy to Mexico. Many agents, in order to minimize costs, don't mail anything till they can send 5 - 6 policies at one previous point, and that suggests that your policy may be delayed for 1 or 2 days and on top of this, it might take up to 10 days for the batch to get past customs & reach the insurer in Mexico city. When it finally does make it to the insurer it has got to be processed and entered into their master computer database by hand one at a time. Suspect the insurance company has not received proof of your policy yet and you have an accident? And then to make matter far worse, it's a weekend and the majority of the insurance agency offices are closed.
In the united states and Canada the law is administered following English Common Law. In Mexico the law is administered based on the Napoleonic Code. In general this implies that in Mexico you are considered guilty unless proved trusting. Technically a traffic accident is a transgression and the authorities will hold you until you produce a convincing Mexican car insurance policy with legal aid coverage or pay for the damages that you are assumed to have caused.
unfortunately, the policies of the US and Canada are not honored in Mexico.. An electronically made Mexican car insurance policy is supplied to the staff working in the insurance claims dep. 24 hours from the time that the insurance cover is purchased. This process allows a rapid response and verification while you are enjoying your holiday.
Purchase Mexican car insurance before the trip. It is considered a transgression to drive in Mexican without valid proof of economic responsibility, and that proof of financial responsibility can only be supplied by a Mexican insurance firm. An evidence of insurance card supplied by your US insurance company will not be considered valid and that is irrespective of whether or not the accident will be covered by the insurer. Ensure that you have two copies of your Mexican car insurance certificate this is so you can place the copy in your wallet or purse and the first in your auto or wagon, so that if your automobile is taken you will always have a copy of the Mexican car insurance paperwork with you.
To wrap things up ensure that all your paperwork is valid, and you have 2 copies of everything. Purchase Mexican car insurance before going. Finally, enjoy your holiday. It may be the experience of a lifetime, and the memories will last your entire life.
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