Mexico Auto Insurance - Vital Protection Away From Home
A car accident in Mexico is much more of a hassle than having an incident take place at home - especially if you are an American tourist, as Mr. Bill K. explains. Mr. K. has recounted his experiences of an accident that took place in Mexico and the following week he experienced with the Mexican police. It is his hope that he will encourage all Americans to come prepared when driving a car in Mexico.
Mexican car insurance is an important resource to possess, for reasons that become obvious as you browse his true story. Additionally, this was not the first time Mr. K. traveled to Mexico when he was involved in an accident in Southern Mexico, as he was driving a truck that belonged to his friend.
Bill is a very cautious driver and, since the road conditions were getting very bad because of a rain storm that was moving in, he was at the wheel. This meant he was dependent on the coverage of his friend’s Mexican insurance being adequate.
Bill was traveling at a cautious speed when he rounded a corner to find a Mexican military vehicle full of soldiers hurtling towards them partly on their side of the road. Unable to avoid a crash, the two vehicles impacted head-on left, sending the personnel scattered down a cliff and Bill and his friend into the wall on the opposite side.
The Mexican police came very quickly. While his friend was left standing on the side of the road, Bill, who wasinjured, was taken hastily to another location that was not know to either Bill or his friend. You are guilty untilproven innocent in Mexico, unlike in the US.
Bill finds himself in a Mexican detention cell without any contact and without any knowledge of his fate, in part because at this point he has no way of knowing whether his friend even carried Mexican auto insurance.
Hours pass and the guards come to take him back to the scene of the accident. At this time, he is able to join his friend and his friend’s Mexico car insurance policy. In the United States, there are usually no further complications, but in Mexico - this is not the case. There is much more to deal with.
The entire story of Bill is lengthy and quite upsetting. He actually spends a week in a Mexican hospital without anyone by his side. Bill attempts to prolong his injuries so that he will avoid seeing the inside of a Mexican prison. He is completely at the mercy of the local government; an archaic technology; and shady legal counsel. At first it seemed that paying his way out of the situation is clearly not an option.
Bill often thought that there would be no way to end this nightmare and questioned if he could even afford to put this incident past him. Finally, he once again is a free man, but only after spending more than $28,000. Lucky for him, he was in a position to gather up the funds to pay for his freedom, but sadly, many other Americans are unable to raise this kind of money.
It is the disorganization and deceit found in Mexico that caused Bill to doubt if he would ever see a gain on his life’s venture. However, he learned a lot of things from his ordeal that he is determined to share with all of the Americans planning a trip to Mexico:
Carry a cell or satellite phone-and learn how to dial in Mexico
Remain in contact with family in the states that can help you secure funds if needed and contact Mexican insurance companies as needed (because your ability will be limited)
And most importantly -
BE CERTAIN YOU HAVE GOOD COVERAGE MEXICO CAR INSURANCE- It needs to cover ALL personal injury and property damage that you are deemed to have caused.
Make sure the Mexican car insurance is from a reputable company.
Make sure you carry proof of Mexican Insurance in the vehicle, accessible at all times! (And if you are separated from the vehicle, take the Mexican car insurance ID cards with you!)
Mr. Kitto’s drawn-out and exhausting dilemma has proved one thing to him- money is what makes Mexican legalities disappear. Over there, they don’t care where the money originates, but only if you can pay the bill. Innocence plays a small role in these situations and it can mean the difference between receiving your freedom and losing your rights.
Since fast access to $30,000 or better is a pipe-dream for most of us, the best way to protect yourself when driving in Mexico is to have an excellent Mexican automobile insurance policy to back you with high enough limits.
