In addition to the minimum insurance requirements, you also need to make sure that you get an affida

When traveling to Mexico on vacation, Mexican car insurance fees can be somewhat confusing to say the least. While many credit card companies offer rental car insurance coverage in the United States, some do not offer Mexico car insurance coverage. In fact, many people hawaii prince hotel waikiki have reported that even though they were told by a credit card company representative that the rental car insurance was provided, the coverage was not available after the cardholder was involved in an accident in Mexico.
In order to drive a vehicle in Mexico, you are required to maintain civil liability hawaii prince hotel waikiki insurance. This is the type of insured mandated by the government for all drivers on Mexican roads and highways. Unlike the U.S., any damages to another vehicle, injuries to another party or property damage that is caused by you are all grouped together under this one term. Make sure your coverage is at a good level to cover any of these costs.
hawaii prince hotel waikiki In addition to the minimum insurance requirements, you also need to make sure that you get an affidavit from the bank or car lender that holds the title on your vehicle allowing you to drive the vehicle into Mexico. This type of document is called an affidavit for temporary importation and will be required before you can drive a car into Mexico.
You also need to provide proof of your American registration, a valid American driver's hawaii prince hotel waikiki license and proof of your American citizenship, such as your passport. At some points of entry, you also need to purchase a tourist card and temporary import permit as well.
Even if you have full coverage car insurance , or if your credit card company offers collision damage waiver coverage for car rentals, you want to purchase this insurance when you visit Mexico. Depending on the car rental company you choose, the collision damage hawaii prince hotel waikiki waiver charge will usually range from about $10 a day all the way up to about $35 a day.
You should also be aware that many car rental companies in Mexico refuse to except coverage hawaii prince hotel waikiki offered by your car insurance company or credit card company, regardless if you can prove the coverage hawaii prince hotel waikiki is valid or not. Simply put, many car rental agencies in Mexico make purchasing collision damage waiver hawaii prince hotel waikiki mandatory, and give customers no leeway in opting to refuse the coverage.
Loss of use coverage is something hawaii prince hotel waikiki you definitely want to purchase when renting a car in Mexico. hawaii prince hotel waikiki Loss of use is the term used when the car rental agency is no longer able to rent a particular vehicle because it has been damaged in an accident. If you refuse this coverage, you could be responsible for up to $100 or $200 a day for losses to the rental car agency. So, spend the $10 or $12 a day to make sure you're covered from this type of price gouging.
Third-party liability insurance is required hawaii prince hotel waikiki for every vehicle driven in Mexico, and you will be required to purchase this type of coverage when you rent a car there. Almost no car insurance companies or credit card companies in the United States provide this type of liability coverage while traveling in Mexico. hawaii prince hotel waikiki Expect to pay 7 or 8 dollars a day for third-party liability coverage.
If you happen to park your vehicle illegally while in Mexico, police or law enforcement officials may remove the vehicle's license plate . They do this to ensure that someone will come to the police station and pay the fine or penalty for illegal parking. If you return your rental car to the car rental agency hawaii prince hotel waikiki without a license plate, you will be required to pay between $100 and $200 to cover the cost and time of the rental agency retrieving the confiscated plate.
In addition to high insurance fees on rental cars in Mexico, expect to have an additional 15 percent added to the total rental bill for value added tax. This is Mexico's version of the sales tax collected in many states. Rates quoted to you for car insurance rental almost never include the value added tax in the pricing.
In Mexico, you are guilty until proven innocent, and being involved in a car accident is considered a crime. Most policies will include a certain amount of "legal assistance" hawaii prince hotel waikiki to cover bail and lawyer fees.
In the United States, both of these incidents are covered under a "comprehensive" package, but they are separate coverage options in Mexico. It is possible to have vandalism coverage while not carrying theft. In order words, you may have the damages covered if the vehicle is broken hawaii prince hotel waikiki into, but not if it's stolen. Double-check that you have the coverage hawaii prince hotel waikiki options you want.
This is an umbrella term for any damages done to your car, whether it is from an accident, a tree falling on the car, or a natural disaster. In the U.S., these would be split between collision and comprehensive coverage hawaii prince hotel waikiki options, but they are considered one in Mexico.
It is possible to purchase an optional medical coverage if you do get involved in an accident and have injuries (some policies will even cover you when you are away from the car). Before you dismiss this coverage, be aware that many American health insurers will not cover you in Mexico. This additional benefit is usually cheap and well worth it.
Ensure you have all the correct Mexican phone numbers for claims. It is extremely important to report a claim as soon as possible and before you leave Mexico. Many Mexican insurance companies will not take a claim if you are back in the U.S. and your American carrier won't cover the repair costs either.
In many border towns and crossings, there are agencies that will sell a policy. Make sure that the policy being sold is from an accredited Mexican insurance company. hawaii prince hotel waikiki If you would like to purchase before you hit the road, most AAA offices in border states will sell a policy to members, regardless of whether their vehicles hawaii prince hotel waikiki are insured with AAA. To make your transaction easy, be sure to bring the following information:
A permission letter from your lien holder. If your vehicle is financed or leased, it is a requirement to get permission from your bank. As it is technically their vehicle, they have an interest to know that your car is being driven out of the country.
Your American insurance declaration page. Fraud is big business. Some visitors bring uninsured vehicles into Mexico and claim they were in an accident. This way, they get their car repaired using an affordable hawaii prince hotel waikiki temporary policy. The Mexican insurance agency needs to see that you are currently insured and that you have full coverage if you are requesting similar coverage while on your trip.
The retail value of your car. This is important so the agency knows what the replacement cost is in case of a total loss. You can obtain this using Kelley Blue Book . If you don't know the value, the agency should be able to price it during your purchase. Always go by the retail value, not the payoff amount on your loan.
Baja car insurance is a must if you are planning a road trip to this northwestern state of Mexico. Due to its proximity to the United States, many people think U.S. insurance coverage will suffice hawaii prince hotel waikiki there. However, this is not true. You need Mexican auto coverage if you are traveling to Baja.
Many travelers stop at the Mexican border and buy auto insurance then and there. With no research involved and hardly any time to read through the coverage details, most do not know anything about the policy unless they have an accident. Before you travel to Baja, plan and buy your auto insurance, be it for your own vehicle or a rental car.
One thing to keep in mind before buying a policy for your own vehicle is to see if the insurers will allow you to return to the U.S. and get it repaired. Several insurance companies insist that the vehicle be repaired in Mexico itself. In case the insurers allow repairs to be made in the U.S., check the hourly labor rate that they will pay, as U.S. rate are much higher. You don't want to end up paying the difference out of pocket.
hawaii prince hotel waikiki It is important that your Baja car insurance policy includes hawaii prince hotel waikiki attorney fees, court costs and bail. This is necessary because you will definitely need a lawyer if you are involved in a serious accident. Without it, you could end up paying a huge amount of money in attorney fees and related costs. Moreover, it is best to get the right legal advice when stuck in such a situation in a foreign country.
Even if your US insurance offers limited coverage, hawaii prince hotel waikiki it is usually not more than 50 miles of the Mexican border. Moreover, the Government of Mexico has made it mandatory that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. It is important to note that liability coverage by your US insurers is not valid here.
The Internet is the best place to search for Baja policies. With a little time on hand, you can scan all the policies offered to suit your convenience. Several companies offer excellent policies. BajaBound.com is one such auto insurance company. Their insurance policy comes in 3 terms: Daily, 6-month or annual. Claims are settled in U.S. dollars (not pesos) and based upon U.S. repair rates. They allow repairs to be made in the U.S., Canada or Mexico. They also offer partial theft and vandalism coverage, in addition to a 24/7 toll-free hotlines for roadside, travel, legal and claims assistance.
How to Compare Car Insurance Premiums Accurately Does My Car Insurance Cover a Rental Car? Full Coverage Auto Insurance Explained Finding the Best Rental Car Insurance Rates Glossary hawaii prince hotel waikiki of Car Insurance Terms and Definitions
How to Compare Car Insurance Premiums Accurately Does My Car Insurance Cover a Rental Car? Full Coverage Auto Insurance Explained Finding the Best Rental Car Insurance Rates Glossary of Car Insurance Terms and Definitions
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