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What are the Common Mexico Tourist Auto Insurance Exclusions?

Don’t get caught without coverage, learn the common Mexico auto insurance exclusions.
Mexico Auto Insurance Exclusions

Every year, thousands flock to Mexico to enjoy its stunning landscapes and rich traditions, especially in Baja California. If you’re lucky, you’ll get to enjoy this adventure by car, motorcycle, or RV.

Whether it’s a road trip or a cultural exploration, having the right Mexico Tourist auto, motorcycle, or RV insurance is crucial. It’s not just required; it’s essential for your peace of mind. Like your U.S. or Canadian policy, your Mexico auto insurance policy will have things it does and doesn’t cover. Let’s review the most common exclusions.

Make sure to read your policy carefully

It’s important to understand your Mexico Tourist auto insurance. This is just good advise, and something you should be doing with yoru U.S. or Canadian policies as well. Knowing what isn’t covered is as crucial as knowing what is. Not understanding your exclusions can lead to denied coverage or, worse, policy rescission.
IMPORTANT AND MANDATORY

Report all Claims In Mexico

While not a direct exclusion, it’s essential to remember that you have to report any claims while still in Mexico. This ensures that your claim is handled properly by the local Mexican insurance carrier. This may seem like an inconvenience, but it’s not. It just makes practical and logistical sense, the insurance carrier doesn’t have claims adjusters in the U.S. or Canada, so they need to operate in Mexico to do their job correctly.

Coverage Exclusions

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What are the common auto insurance exclusions?

While not an exhaustive list, these exclusions are commonly found in most Mexico Toursit auto insurance policies, as well as policies for motorcycle and RV Insurance.

  • Illegal Activities
    Never gonna be covered!

    This one seems clear, but it’s worth emphasizing: illegal activities will void your coverage. This includes things like:

    • Driving under the influence of alcohol or drugs.
    • Engaging in street races or speed contests.
    • Suicide attempts, voluntary mutilation, and mental derangement.
    • Driving without a valid driver’s license or permit.
    • If a claim is found to have been presented fraudulently, deceptively, erroneously, or in bad faith, the right to compensation is lost.
    • Your U.S./Canadian registration must be current.

    Such actions not only risk legal penalties but also invalidate your insurance coverage.

  • Other Drivers
    Be careful who you let driver your car
    Not all drivers may be covered under your policy. For instance, drivers with a Mexican license, or those outside the age limits set by your policy, may not be covered unless they are specifically listed.
  • Driver Instruction/Training
    You’re not a driving school
    If you’re teaching someone to drive, when you have an accidnt, you may not have coverage. It’s very common for the standard Mexico Tourist auto insurance policies to exclude coverage during driving instruction.
  • Four Wheeling or Off-Roading
    No coverage for the Baja 1000
    Many travelers love adventures, but remember, most Mexico tourist auto insurance policies exclude off-road driving. Keep this in mind especially when venturing into less traveled paths.
  • Forces of Nature
    Avoid tidal forces
    The ‘Beach Parking’ exclusion is something to chuckle about yet take seriously — Tourist auto insurance policies typically exclude damage from natural forces like tides. Always be cautious about where you park, especially near water bodies.
  • Transporting People
    We don’t mean that!
    Similar to policies issued in the U.S. or Canada, your Mexico tourist auto insurance will exclude livery, or transporting people for a fee. It will also exclude coverage for transport of goods for commercial purposes.
  • Don’t Overload Your Ride
    It’s not a clown car
    Overstuffing your vehicle beyond its capacity can lead to a lack of coverage. Make sure you comply with your vehicle’s specifications to avoid complications.
Auto Coverage Exclusions

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Select a product from one of the carrier groups to begin your quote.

Are there more auto insurance exclusions?

There are other conditions that may not always be defined as Mexico auto insurance exclusions, but they can impact coverage similarly.

  • Keep you car well maintained

    Just like your U.S. or Canadian auto insurance policies, vehilce maintenance is not covered. However, Mexico auto insurance exclusions may also include a any damages to the insured vehicle that are caused by a loss of fluids. Additionally, most Mexcio auto insurance policies will also exclude coverage if the loss is the result of improper maintenance.

  • Keep your passengers in the vehicle

    If you intend to let passegers ride in the bed of your truck, or in your trailer, may not have coverage in the event of an accident.

  • Your personal items are not covered
    Auto insurance polices don’t typically cover your personal effects, even those in the vehicle. This is also true of your U.S. or Canadidian polilcies. It’s possible to seek recovery for these items on a homeowner’s policy, but make sure you have a good, itemized list of your personal items so you can document your possession and value. Note: these items may be subject to your deductible.

The bottom line

Knowing what the Mexcio auto insurance policy exclusions are ahead of time can prevent troubles in the event of an accident or theft. Always read your policy’s terms and conditions to understand what’s covered and what might void or deny coverage. If you need help or clarification, contact us at (877) 334-7646. If you’re planning on a drive into Mexico, you can start a quote online, and buy in minutes.