{"id":37,"date":"2019-05-31T14:57:50","date_gmt":"2019-05-31T14:57:50","guid":{"rendered":"https:\/\/www.mexicanautoinsurance.com\/blog\/?p=37"},"modified":"2019-06-06T13:37:54","modified_gmt":"2019-06-06T13:37:54","slug":"the-differences-between-mexican-and-u-s-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/2019\/05\/31\/the-differences-between-mexican-and-u-s-auto-insurance\/","title":{"rendered":"The Differences Between Mexican and U.S. Auto Insurance"},"content":{"rendered":"\n
\"The<\/figure>\n\n\n\n

Mexican auto insurance is legally required<\/a> if you\u2019re going to be driving across the border, even if you\u2019re using a rental vehicle. But enrolling in a foreign plan can be confusing and intimidating if you don\u2019t know what to expect. To help you navigate the cultural changes, we outlined some of the main differences between Mexican and U.S. auto insurance.  
<\/p>\n\n\n\n

Liability<\/strong>
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Unlike in the States, Mexican auto insurance liability doesn\u2019t cover injuries per person and per accident. Instead, all liability charges are lumped together and are determined by the Mexican state. If an accident results in a death, the Mexican state in which the accident occurred will set both the criminal and civil liability charges. These often include funeral expenses for the deceased and a high rate of compensation for their family. Depending on the state, a judge may determine the final amount.<\/p>\n\n\n\n

You should also keep in mind that liability coverage isn\u2019t automatically included in Mexican insurance plans like it is in the U.S. As such, you should always make sure to add liability coverage to your plan.<\/p>\n\n\n\n

Policy coverage<\/strong>
<\/h2>\n\n\n\n

Instead of looking into the risk factors of each driver\u2014such as a history of accidents or DUIs\u2014Mexican auto insurance links policy coverage to the vehicle itself. As such, if you\u2019re driving a model that has a higher risk of being stolen according to Mexico\u2019s data, your premium will likely be higher. Furthermore, because coverage doesn\u2019t pertain to the driver, you can\u2019t receive any safe driver discounts. If you\u2019re renting a car, you also won\u2019t be able to change vehicles during your time in Mexico, as you\u2019ll only be covered for the specific car that you registered through your insurance company.<\/p>\n\n\n\n

Mexico insurance policies are also far less broad than U.S. plans. Rather than providing umbrella coverage for all risks, the insurance company will list in its policy the specific risks it covers. If the risk isn\u2019t listed, it won\u2019t be covered.<\/p>\n\n\n\n

Pricing<\/strong>
<\/h2>\n\n\n\n

In the United States, prices and standards for auto insurance companies are regulated by certain laws. However, these regulations are much looser in Mexico, so prices on policies can range radically depending on a variety of factors. To protect yourself from getting scammed by an unreliable insurance company with attractively low rates, it\u2019s important to do your research on the company ahead of time.<\/p>\n\n\n\n

If you\u2019re planning on traveling south of the border, registering for auto insurance is now easier than ever. With Lewis and Lewis Insurance Agency, you can effortlessly register for Mexican car insurance online today.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mexican auto insurance is legally required if you\u2019re going to be driving across the border, even if you\u2019re using a rental vehicle. But enrolling in a foreign plan can be confusing and intimidating if you don\u2019t know what to expect. To help you navigate the cultural changes, we outlined some of the main differences between Mexican and U.S. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-37","post","type-post","status-publish","format-standard","hentry","category-uncategorized","entry"],"_links":{"self":[{"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/37","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/comments?post=37"}],"version-history":[{"count":2,"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/37\/revisions"}],"predecessor-version":[{"id":44,"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/37\/revisions\/44"}],"wp:attachment":[{"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/media?parent=37"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/categories?post=37"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mexicanautoinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/tags?post=37"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}