Mexico Motorcycle
Insurance Coverage

What does Mexico Tourist Motorcycle Insurance cover?**

Civil Liability: Coverage for damage to others

• Civil liability

  Coverage for property damage or injuries to others

  The cornerstone of Mexico tourist motorcycle insurance is civil liability coverage. This coverage is legally required in Mexico and protects against expenses resulting from damage or injury you may cause to others while riding your motorcycle.

  Bodily injury liability: Covers medical expenses for injuries sustained by third parties in an accident you are responsible for.

  Property damage liability: Pays for damages to third-party vehicles or property caused by your motorcycle.

  Example*: You accidentally swerve into another vehicle, causing damage to their car and minor injuries to the driver. Civil Liability coverage can handle the repair costs and medical expenses of the third party.

• Legal & Bail Bonds

  Typically included with civil liability

  When you’re involved in an accident in Mexico, legal assistance and bail bond coverage are typically included in your motorcycle insurance policy. This coverage connects you with legal professionals and covers bail bond expenses as required by Mexican law.

Coverage for Your Motorcycle

• Property Damage

  This is similar to Collision in your US policy.

  This coverage is similar to Collision coverage on a U.S. motorcycle policy. If your motorcycle is damaged in an accident or collision, this coverage can pay for repairs or replacement costs, minus the deductible you select.

  Example: While navigating a sharp turn, your motorcycle skids off the road, causing $3,000 in damage. With a $500 deductible, you would pay $500, and your insurer would cover the remaining $2,500.

• Total Theft

  In the US policy, this would be considered part of Comprehensive coverage

  If your motorcycle is stolen while you’re in Mexico, this coverage can compensate you for its market value, minus the selected deductible.

  Example: You park your motorcycle outside a restaurant, and it’s stolen while you’re dining. After reporting the theft to the Mexican police, your policy may cover the loss after applying the deductible.

• Medical Expense

  This is a form of Medical Payments in your US auto policy

  You and your passenger are injured after being struck by another vehicle. Medical expense coverage may cover your hospital bills and treatment costs.

  Example*: After a minor accident, your motorcycle can no longer be ridden. Towing coverage ensures your bike is transported to the nearest repair shop.

• Towing & Labor

  For moving and labor expenses when the vehicle is inoperable after a covered an accident

  If your motorcycle becomes inoperable after a covered accident, towing and labor coverage will tow your motorcycle to the nearest repair facility. Specific limits on towing distance or cost may vary by policy.

  Example*: After a minor accident, your motorcycle can no longer be ridden. Towing coverage ensures your bike is transported to the nearest repair shop.

Travel assistance coverage

• Travel Assistance

  Various coverages to improve your drive through Mexico

  Travel assistance coverage offers extra support during your motorcycle journey in Mexico, including:

  • 24-hour medical hotlines
  • Emergency medical transportation
  • Repatriation of injured parties or remains
  • Assistance with accommodations for family members if you’re hospitalized

  Note: Review your policy details carefully to confirm which travel benefits are included.