Mexico Registered Auto Insurance for Expats: What You Need to Know

 Resident auto insurance is one type of insurance that American expats who have their own vehicles and is living in Mexico must carry for safety and peace of mind.

It seems like the number of Americans (and other foreign nationals) entering, working, and living in Mexico is going up year after year. It means that the number of expats who own Mexican-registered vehicles is going up as well. Unfortunately, the Mexican insurance market has yet to respond to the needs of these individuals adequately.

Traditional auto insurance for Mexico policies differ from American and global insurance policies in structure, and they usually have exclusions that limit coverage when you least expect it. In addition, your policy terms and conditions may not be written in English, making it extremely difficult to understand what your insurance covers and what it does not. As a result, finding suitable coverage for Mexican-registered vehicles can be tricky for foreign nationals living in Mexico.

It is also worth mentioning that Mexican law does not recognize U.S. auto policies. Suppose you get involved in a car accident in Mexico. In that case, the auto insurance you purchased back home will not protect you from potential liability — Mexican officials may impound your vehicle and/or put you behind bars until the case is resolved. The process may take longer if you have no [valid] insurance policy to cover the damages. Also, keep in mind that your court proceedings might be entirely in Spanish.

The risks and implications are too significant not to get a resident auto policy before moving to Mexico. Fortunately, buying your own Mexican auto insurance policy is simple and relatively affordable.

NOTE: You must ensure that your vehicle has a valid Mexican insurance policy with coverage suited for you. For a Mexico-registered vehicle, you must have resident auto insurance and not tourist auto insurance.

How Do You Buy a Special Lines Mexican Auto Insurance policy for a Mexican Registered Vehicle?

The best way to get Mexican auto insurance for your Mexican Registered Vehicle is the same way you get regular auto insurance back home: buy it online from a reputable Mexico insurance provider like West Coast Global Insurance.

Overall, a Mexican auto insurance policy is dissimilar to a standard American auto insurance policy. However, car owners must meet two criteria to qualify for a special lines resident auto insurance policy:

  • Vehicles must have valid Mexican registration
  • Vehicles must be owned by a foreign national

For those individuals that are Mexican Nationals with a Mexico-registered vehicle, not to worry West Coast Global Insurance has insurance programs to meet your individual needs. These questions are asked during the file building and important to know so your vehicle is not insured under an insurance program that is not valid for your needs.

The Registration of your Vehicle determines the Mexico auto Insurance program that your Vehicle qualifies for. A vehicle registered in the United States or Canada will not qualify for a Mexico insurance policy that is for a vehicle registered in Mexico.

IMPORTANT NOTE: Be sure your vehicle is secured under the correct insurance policy based on the registration of your vehicle or you will be subject to a claim not being paid by the insurance carrier.

If you are relocating to Mexico for work, West Coast Global Insurance has made it so much easier to insure your vehicle. Contact them today with the details and registration of your vehicle so they can match the correct Mexico insurance coverage to meet your individual needs. You can apply for their Mexico auto insurance coverage program if you are a foreign national who owns or rents a property in Mexico. Fill out their Mexico Auto Insurance Application to get a quote for the best residential auto insurance policy for your needs.

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