Mexico RV
Insurance coverage

What does Mexico Tourist RV Insurance cover?**

Civil Liability: Coverage for damage to others

• Civil liability

  Coverage for property damage or injuries to others

  Civil Liability coverage is mandatory for RVs traveling in Mexico. It protects against financial responsibilities if your RV causes bodily injury or property damage to third parties.

  Bodily injury liability: Covers medical costs for third parties injured in an accident caused by your RV..

  Property damage liability: Pays for damage caused to third-party vehicles or property.

  Example*: You accidentally reverse your RV into another vehicle in a parking lot, damaging the other vehicle’s bumper. Civil Liability coverage can cover repair costs for the other vehicle.

• Legal & Bail Bonds

  Typically included with civil liability

  If you’re involved in an accident that results in legal proceedings, this coverage includes legal assistance and bail bond payments, helping you navigate the legal process in Mexico.

Coverage for you RV

• Property Damage

  This is similar to Collision in your US policy.

  This coverage acts like collision coverage in U.S. policies. It pays for the repair or replacement of your RV after a covered accident.

  Example: You misjudge a turn and clip a concrete barrier, causing $7,000 in damage to your RV. With a $1,000 deductible, your insurance will cover $6,000 of the repair costs.

• Total Theft

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

  If your RV is stolen in Mexico, this coverage compensates you for its current market value, minus your deductible.

  Example: Your RV is stolen while parked overnight at a campsite. After filing a police report, your insurer may compensate you for the RV’s value after applying the deductible.

• Medical Expense

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

  Medical expense coverage pays for medical treatment required due to injuries sustained by you or your passengers during an accident.

  Example*: While driving your RV, you’re hit by another vehicle, resulting in injuries to your family members. Medical expense coverage can cover their medical bills.

• Towing & Labor

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

  If your RV becomes undrivable after an accident, towing and labor coverage can transport it to the nearest repair shop. Limits on towing distances or coverage amounts may vary.

  Example*: After engine trouble leaves your RV stranded, towing coverage ensures it’s taken to the nearest mechanic for repair.

Travel assistance coverage for your Mexican road trip

• Travel Assistance

  Various coverages to improve your drive through Mexico

  Travel assistance offers peace of mind with support services, including:

  • 24-hour medical hotlines
  • Medical transportation services
  • Repatriation of injured parties or remains
  • Transportation or logging for family members when you’re injured and hospitalized

  There are many other ancillary travel benefits. Check your policy to be sure what coverages you have purchased.