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Mexico Motorcycle Insurance Limits

Mexico Motorcycle Insurance Limits

Learn about Mexico motorcycle insurance limits of liability, then quote & buy motorcycle insurance online.

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Before your Mexico motorcyle journey

Exploring Mexico on a motorcycle? Here’s what you need to know about Motorcycle insurance limits:

Riding through the vibrant landscapes of Mexico is an adventure like no other. To ensure that your journey is as smooth as the open road, it’s essential to understand the insurance requirements for motorcyclists. Just like driving a car, riding a motorcycle in Mexico requires you to have tourist motorcycle insurance that meets the minimum civil liability laws.

Understanding the Minimum Liability Limits for Motorcycles

The minimum liability limit required can vary depending on the jurisdiction you plan to ride through or in the event of an accident. Each Mexican state sets its own threshold, representing the least amount of liability insurance a motorcyclist must carry. This is crucial for complying with local insurance regulations and avoiding penalties in case of an accident without proper coverage.

In the U.S., these are known as financial responsibility limits. Similarly, in Mexico, it is mandatory to have at least the minimum amount of liability insurance before you hit the road on your motorcycle.

What Does Motorcycle Liability Insurance Cover?

In Mexico, motorcycle insurance limits are typically presented as a combined single limit (CSL). This means that both property damage and third-party injury liabilities are covered under one comprehensive limit. For example, a common limit might be $300,000 CSL. This differs from the split limit structure commonly seen in U.S. auto policies, which separate the coverage amounts for personal injuries and property damage.

Choosing the Right Coverage Limit

Selecting the appropriate limit for your motorcycle insurance depends on the required minimum in the area you will be traveling. Unlike the U.S., where each state has a set minimum limit, in Mexico, the minimum is determined by multiplying 5,000 days by the local minimum wage. This calculation means that the required minimum can vary significantly from one region to another. Most insurance carriers, including MexicoCovered.com, recommend a standard $300,000 limit to ensure compliance across all regions.

Pro Tip:

At MexicoCovered.com, we only offer limits starting at $300,000 online to ensure that you are adequately covered in any jurisdiction. For those looking for extra peace of mind, we suggest considering a limit of $500,000. This higher limit helps safeguard against unexpected costs and ensures a worry-free ride across Mexico.

Get a Mexico Tourist Motorcycle Insurance Quote

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Motorcycle limits FAQs

What happens if I don’t have the proper limits?
If you ride in Mexico without the proper motorcycle insurance liability coverage and have an accident, there can be severe penalties, including jail.
What are the recommended limits?
It is not uncommon for damages awarded by Mexican courts to be similar to those in the US. Moreover, Mexican law considers traffic accidents as both civil and criminal law. Having the proper motorcycle insurance protection is imperative. MexcicoCovered.com recommends that you purchase at least the recommended $300,000 limit – but $500,000 would be better.