Road trips can be fun, but there are many opportunities for things to go wrong. Driving on unfamiliar roads, and in possible extreme weather conditions, puts you at a higher risk for an accident. It is important for you and your family to be prepared for the unexpected.
Polices purchased in Canada are only valid in Canada and the U.S.A. Your insurance policy will not provide coverage in Mexico. In fact, Mexico does not honor any insurance policy that has not been issued from a Mexican licensed provider. At the very minimum, you will need to purchase liability insurance from a Mexican-based insurance company. If you are involved in an accident and do not have liability insurance purchased from Mexico, you will be taken into police custody until liability and your ability to pay the penalty can be determined. You may also be prevented from leaving the country, even if you require urgent medical care.
“Policies purchased in Canada are only valid in Canada and the U.S.A. Your insurance policy will not provide coverage in Mexico.” ~Chad Mullen, Lane’s Insurance
Although Mexican car insurance can be purchased last minute at the border, you are likely to get a better deal and better coverage if you research companies on the internet. Many websites will allow you to get a free online quote, as well as read about your specific coverage before you make a purchase. Most insurance policies will require that your vehicle be fixed at a repair shop in Mexico, so make sure you read closely to find a policy that will allow you to repair your car when you get back to Canada.