Chicago Auto Insurance: Mexico Insurance Limitations And Personal Auto Policies

Chicago Auto Insurance : Limitations of Personal Auto Policies

Limited Mexico Coverage

by F Sneneh, Chicago Auto Insurance Specialist

Without an legal amendment or endorsement, the Personal Auto Policy does not provide protection if and when the insured person is driving in any Mexican territory. It is important that acceptable insurance be procured with one of the licensed auto insurance companies before a trip is taken to any Mexican territory. The company must also be licensed in Mexico. To use your vehicle in Mexico without such insurance is a criminal offense. Insurance coverage can be bought at the Mexican border.  Also it may be possible to purchase this insurance to an existing Personal Auto Policy if an insurance company is a member of a foreign insurance syndicate. Some people prefer to buy a totally separate policy for any trip to Mexico.

However, this is not the purpose of Limited Mexico Coverage. The endorsement is basically used by vehicle owners who reside near the border and very often take brief trips to Mexico. All policy coverages can be purchased for losses that occur in Mexico within 25 miles of the United States territories and the insurance applies only while the insured is in Mexico for 10 days or less. The insurer will only defend the insured under the auto liability insurance coverage if the original suit is brought in the United States and if the suit does not involve a Mexican citizen or resident. Repairs to a covered auto are not covered if they are made in
Mexico unless the vehicle cannot be driven in its damaged condition.

Chicago Auto Insurance, Illinois car Rates, SR22 Quotes

Chicago Auto Insurance, Illinois SR22 Insurance rates

It is important to point out that the endorsement is effective only if the insured has also purchased liability insurance through a Mexican insurer, and coverage is excess over that

policy. The main advantage of the endorsement is the ability to have higher liability limits than the Mexican insurance as well as other policy coverages.

For people who are not close to any Mexico borders there is a fundamental need to get separate policy for any Mexico trip. The premium is normally calculated based on the territory in Mexico and duration of the trip. If full coverage is sought the value of the vehicle will also be considered.
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Insurance Navy is a leader in the Chicago Auto Insurance business. The agency specializes in Mexico Insurance for Chicago residents and other regular insurance.