If you have car insurance from a U.S. company, it is very important to understand its territoriality because some of the insurance companies do not cover vehicle damages or theft beyond some miles inside the Mexico border. We are not aware of any Canadian company that extends coverage to Mexico.

On the other hand, although your U.S. or Canadian insurance company may extend coverage to Mexico, the Mexican government requires that Liability insurance must be provided by a Mexican insurance company.

In the Mexican legal system, it is assumed that any person who drives a vehicle is able to pay for the damages they cause in an accident. However if the person cannot pay for the damages, by law their vehicle could be impounded and the driver could go to jail.

Considering the consequences, don’t take risks! Buy you policy online, have a safe trip, and enjoy your travels in Mexico.

We offer the standard coverage from all Mexican insurers as well as an extended coverage package such as: GNP Deluxe Package and Chubb/ACE Platinum Package. Both of them provide coverages that you will not be able to get with other Mexican insurers.

The coverage applies for accidents or loss involving the insured vehicle, within de Mexican Republic, and operates under the following standard sections:

Protects the purchaser (the insured) from the risks of liabilities imposed by lawsuits and similar claims. Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract.

Cover the vehicle up to the actual cash value stated on your policy for collision, overturn, fire, explosion, lightning, meteorological phenomenon such as cyclones, hurricanes, earthquakes, and wind storm, amongst others. Before paying a claim the insurance company will apply a deductible to the actual cash value stated in your policy.

Pays medical expenses for the insured vehicle occupants and driver of injuries resulted from a covered event and up to the limits stated in the policy. This coverage applies even if you are involved in an accident with an at-fault uninsured/underinsured driver.
Medical payments coverage is excluded for motorcycle policies.

Our policy provides legal services and pays up to the limit stated on your policy. This coverage offers assistance in the event you would have to deal with Mexican authorities.

The insurance company provides some coverages for towing, other expenses, and travel assistance. To get a wider Travel Assistance coverage, please choose the MexVisit quote option.

Please note that the insurance does not cover tickets as a result of a Mexican traffic regulation breach. It is the driver´s responsibility to respect Mexico´s traffic laws.

Traffic and safety regulations, as well as highways and bridges in Mexico are very different from the United States and Canada. While driving in Mexico, we recommend you drive very carefully. You have to be in "expecting the unexpected" mode, even more when driving on a interstate road. Most accidents involving tourists happened because they didn’t expect a sudden change in traffic or road conditions.

Make your trip safer by taking note of these recommendations:

HIGHWAY DRIVING

It is important to understand the main causes of tourist highway accidents in Mexico.
The roads in Mexico are tight and practically they don’t have any edges, so that the if the tire gets out of the road, it can cause a rollover, damages to the vehicle and injuries to the occupants.

You can definitely avoid these situations by paying more attention while driving, recognizing the highways in Mexico are less safe than in the U.S., and always looking out and following traffic signs.

In case of getting involved in an accident, please try to stay calm and always remember that you and the other vehicle occupants are the priority and that you are protected by your insurance.
The following steps may help guide you if you've been in a car accident, whether you were at fault for the accident or not:

1. If you are injured, call 911 or ask someone else to do so. If you are seriously injured, try not to move, and wait for emergency personnel.
2. Report your claim immediately. Locate the toll free telephone number on your policy.
3. Once you report the accident, be sure to take down the following information regarding the other party:
   - Policy number
   - Name of the person driving during the accident.
   - Location of the vehicle (street, closer corner or block)
   - City, municipality
   - Any other reference can be helpful to locate the place of the accident.
   In case of a highway accident take note of:
   - Kilometer marker on the highway
   - Highway intersection
   - City or nearest town
4. In case of having people injured, you will need to notify it at the moment you make the report so they can request an ambulance as soon as possible.
5. Do not start the vehicle after the accident if its leaking oil or gas. It can make it worse.
6. If you can move the car please move it to the right side of the highway to avoid being struck by other vehicles passing through the incident place.
7. Don’t try to settle the matter with the other driver involved in the accident; wait until the adjuster arrives and let him take charge of the claim.
8. If the driver of the other vehicle doesn’t want to wait until the adjuster arrives, ask the police for help in detaining them.
9. If the other vehicle involved runs away, try to take note of:
   - License plate number
   - Vehicle make
   - Color
10. Phone information to report a claim:

Our system is based on the SSL (Secure Socket Layer) coded technology, which consists on an advanced encrypting system of information that makes every transaction, including credit card payments, 100% safe.

Likewise, all information provided by you, including personal and credit card data, will be held in a strictly confidential manner.

We offer the most complete insurance for: automobiles, property, health, life, agriculture, liability, cargo, surety and bonds, and actuary services in Mexico and the United States.

Our primary objective is to provide our clients with the best security and protection alternatives. We represent the most important insurance companies in Mexico. Additionally, we have representatives in the United States, allowing us to place coverage for you in the U.S.

We also have service alliances established with insurance carriers and hospitals in the United States, allowing us to provide the best international attention and service.

For more information, please visit our website: www.rbaidon.com.mx
Contact us. We are interested in hearing your opinion and having the opportunity to serve you better.

• R. Baidón y Asociados, S.C.
• TMC - Tucson Medical Center
• Google Maps
• Hotel Reservations
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• English / Spanish translator
• San Carlos, Mexico
• U.S. Embassy and Consulates México
• Mexico Tourism
• Visit Sonora

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