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San Diego, CA May 10, 2004-–If you’re involved in a car accident in Mexico and don’t have auto insurance you could end up in jail, according to Ben Huggins, owner of Huggy Bear Insurance in San Diego. You could also face criminal charges if you are held responsible for an accident resulting in serious injuries or damages.
Mexico requires valid Mexican liability insurance for all vehicles traveling in Baja. This includes autos, motorcycles, RVs, and rental cars. Huggins points out, “Although your US drivers license is valid in Mexico, your liability insurance is not.” In the event of an accident, Mexican authorities expect you to be able to prove financial responsibility. This means having cash to cover all damages or an approved Mexican auto insurance policy.
Liability in Mexico is determined by civil law and is based on limits defined by Mexican statute. As a result, liability limits and claims exceeding $100,000 are rare. Likewise, claims for pain and suffering and emotional distress are virtually unheard of. Claims for property damage to others and bodily injury to others are settled on an "actual loss" basis, guided by statute. Still, buying the right insurance can mean the difference between going home and going to jail.
Automobile insurance rates, coverage, limits and deductibles vary widely. Consult with a knowledgeable insurance agent before crossing the border so you have a safe and enjoyable trip.
CONTACT INFORMATION:
Ben Huggins
Huggy Bear Insurance
3977 Normal Street
San Diego, Ca. 92103
http://www.mexican--auto--insurance.com
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