We’ve Got You Covered In Mexico | First Entertainment Credit Union

We’ve Got You Covered In Mexico! 

Mexico is a popular vacation spot for families, retirees, and college spring-breakers because of the beautiful weather and various attractions. While it’s a short drive to Mexico for many, you are still traveling to another country with different laws. Auto insurance and liability laws are different in Mexico, so if you take a trip south of the border, your U.S. auto insurance will not protect you. While your policy may include limited coverage in Mexico, it typically only extends about 10 miles over the border, and it still might not be enough to satisfy Mexican legal requirements. The insurance experts at First Entertainment Credit Union share this important information so that you can protect yourself while driving in Mexico. 

You Need Mexico Auto Insurance

Mexican law requires all vehicles to have Mexico auto insurance or Mexico tourist auto insurance. If you drive without proper auto insurance in Mexico, you risk fines, liability judgments, and even possible jail time. Rather than put yourself at significant risk, you should purchase a stand-alone auto policy if you plan on driving in Mexico. 

We’ve Got You Covered

Media Benefits Insurance Services has partnered with MexiPass to provide auto insurance for our members that drive in Mexico. MexiPass is a Managing General Agent (MGA) and Underwriting Manager for Mexico insurance, specifically designed to meet the needs of American residents and businesses. MexiPass provides exclusive Mexico insurance products from top international carriers that provide U.S. coverage standards versus what a standard Mexican insurance policy can provide. We work to get you the best coverage at the best rates! 

When you take out a policy, you’ll pay a separate premium from your U.S. car insurance policy that will cover you when you are driving in Mexico. When taking out a policy, make sure you provide details about your travel dates and destinations because you won’t be covered if you drive outside your chosen dates or travel areas. 

It’s easy to get a quote, and it can all be done online! To help you get started, you will need the following information: 

  • Travel dates
  • Travel destination (include any excursions you have planned, not just your destination city) 
  • Driver’s license
  • Car insurance policy number 
  • Make, model, and year of your car 
  • Vehicle identification number 
  • License plate number 

Get Your MexiPass Quote Now! 

First Entertainment is Here to Help! 

If you have any questions about Mexico Auto Insurance or MexiPass, please contact us at (323) 845-4495 or insurance@firstent.org.  

We’ve also compiled the following information about Mexican laws and what you need to do if you are in an accident while driving in Mexico. 

Notable Laws and Other Information 

Before you get behind the wheel (rented or owned), make sure you're clear on local and federal driving laws: 

  • People drive on the right side of the road. 
  • Driving under the influence of drugs or alcohol is illegal. (The national limit is 0.08, but some states have limits as low as 0.04.)  
  • Possession of marijuana and other drugs is illegal. 
  • Driving while using a mobile device is illegal. 
  • All drivers must carry auto liability insurance. 
  • Foreign vehicles need a temporary importation permit (TIP) to cross the border. 
  • Traffic signs in Mexico are in Spanish, and the country uses the metric system. 
  • Some Mexican cities have driving restrictions based on license plate numbers to reduce traffic and carbon emissions. 
  • Check the U.S. Department of State for travel advisories, driving safety, and other information

If You’re in an Accident 

Here are a few things to know if you’re in an auto accident:

  • Stay Calm.
  • Call the police.   
  • Ask the police to dispatch an accident investigator to complete an accident report. An accident report is critical to filing a claim with your Mexico auto insurance company.  
  • Collect the contact and insurance information for the drivers involved.  
  • Take pictures of the damage. 
  • Call your insurance company as soon as possible after the accident. They may send an adjuster to the scene, separate from the police or accident investigator. 
  • File your insurance claim before leaving Mexico (some policies might deny your claim if you call or file after leaving the country.) . 
  • Do not sign or agree to anything.  
  • Do not trust translations given to you by anyone other than your adjuster. 
  • Do not settle the damage with a handshake agreement (without documentation). 
  • The authorities will do their best to determine fault at the accident scene. If they can’t, they will continue deliberations at the police station. 
  • You could be jailed until the police or a judge determines who caused the accident. 

You can request to speak to a lawyer. You should also have contact information for a bail bondsman and a legal representative. Ask your agent about these before you travel. 

If you’re responsible for a car accident that results in the death of a Mexican citizen, you’ll be liable to pay death benefits according to Mexico's federal liability law. Death benefits include funeral expenses and lost wages. The death benefit amount equals the Mexican state minimum wage times 5,000. And in some liability judgments, the full death benefit amount may be multiplied up to four times. Death benefits can exceed $300,000 (U.S.) per person, so it is extremely important to buy the maximum liability coverage available on your Mexico auto policy. 

Media Benefits Insurance Services
6735 Forest Lawn Drive.
Hollywood, CA 90068
www.firstent.org/
(323) 845-4459
insurance@firstent.org

 

Insurance services offered through Media Benefits Insurance Services CA Lic#0H99393, a DBA for Media Benefits Corp., which is a wholly-owned subsidiary of First Entertainment Credit Union. 
This content is for informational purposes only and not for the purpose of providing professional, financial, medical, or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. 
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