We asked one client what he thought of buying Mexican Car Insurance

at one of the booths, gas stations, or roadside stands along the border.

This was Dan’s comment:

“I’ve driven in Mexico for years. Nearly all travelers to Mexico plan their vacation, drive to the border then remember that they need to buy Mexican insurance … then they go buy it at the nearest seller. It’s the same as buying meat and groceries at Mobil or a local mini-mart… your selection is limited, and you don’t have any way to search the insurers or the policies that sell at the border. It’s hit or miss… the coverage is not standardized, you wonder what you just bought, AND many times you are asked to pay whatever the market will bear Fees! It’s much better to purchase online and ahead of schedule!”
San Diego, CA Resident

Also consider this: There is a LARGE difference between paper generated Mexico insurance policies and electronic Internet Mexico Insurance Policies.

Paper policies are issued in the old time-honored way by hand through brokers within California, Texas, and Arizona in neighborhood insurance offices or at the border and posted to Mexico, often using the US Post Office.

Basically, an insurance salesman will manually fill out the paperwork, make a trip to the post office, and mail your policy to Mexico. In an attempt to cut costs, it is not uncommon to see an agency wait to mail policies until they have sold a number of them. This means that your insurance policy may be in line for a few days before it’s sent to Mexico.

Next, it can take upwards to a week for the batched lot to get past customs and make it to Mexico City, where nearly all of the major insurers are located. Then it is processed into their master computer database by hand.

Online insurance policies are a far more effective process of promptly advising your insurer and dispensing  policies to you fast by internet site, E-mail or by facsimile so YOU BENEFIT.

divx crash

The real question is what happens if you have an accident and the insurance company doesn’t have physical evidence of your policy within their system? What happens if you cause an accident on a weekend or at night? Most insurance brokers work 5 days a week?

Since you need to stay at the accident scene and report all accidents while in Mexico, and most auto accidents are adjudicated within hours, having physical possession of your Mexican Insurance certificate, which needs to be verified by each insurer, is important.