Tag Archives: Jail

What can happen when you do not have Mexico Auto insurance

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Whether you can purchase your Liability coverage through your Texas auto policy to cover you in Mexico is a moot point.

It clearly states that Mexico does NOT recognize U.S Auto Liability policies. Subsequently, it doesn’t matter whether you have the Endorsement or not. Why the Texas Dept of Insurance even prints this disclosure is beyond me…

I recently had a person call my office to seek our help and assistance in respect to an accident he had while recently in Cd. Juarez. I had previously insured this gentleman with a Mexico Tourist Auto policy, but unfortunately he was under the impression that his Texas Auto Policy would suffice. Yes, he did have the Border Endorsement as described in the Texas Dept of Insurance (TDI) publication, however when he presented it to the authorities at the scene of the accident they told him “ call your adjuster or agent and have them arrive to make immediate restitution ($) to the 3rd party” (the person whom he collided).

That’s right, immediate, because according to their law, Mexico only recognizes two things when property damage or medical costs are attributed to the offender. This was on a late Thursday afternoon. And when he called he was desperate. Having neither a Mexican Tourist Auto policy, nor the money needed to pay the 3rd party (approximately $ 1,500 USD$)

With my experience and contacts developed over the years, I did what I could to help him. Unfortunately, insurance offices were closed. He had to visit the Juarez Hilton for the night.

For all of your Mexico Auto and International health insurance needs, please call us at 1-800-434-3966 OR E mail us at ici@mxici.com or visit us at www.mxici.com We appreciate your business!

If I have Mexico Insurance, does it keep me out of jail

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Yes, and No! Mexico Tourist Auto Insurance is NOT a “get out of jail free” card, in light of most peoples impressions. Many insurance agents neglect or flat leave out that possibility, even after purchasing their Mexico insurance.

In Mexico, a car accident is or can be considered a criminal offense, and not a civil offense as is common in the U.S. and Canada. If you injure someone, and they end up in the hospital, (even yourself, as ridiculous as that sounds) then that is generally when the authorities get involved. Granted, their involvement is also determined by the seriousness of the injuries to everyone involved.

Consequently, if injuries are serious, or even fatal, then there is the likelihood you will end up before a Magistrate (a Judge) who determines the Mexican courts course of action. Many Mexico Tourist Auto policies provide for Legal Representation (as ours does) and the payment of Bail Bonds just for this reason.

It is very, very, rare for someone to be held in jail if they posses a valid Mexico Tourist Auto policy, OR enough US currency to address the payment for all fines, medical care etc. After all, the Mexican Gov’t, especially now, wants to encourage as much travel in Mexico as possible, especially to the well known tourist destinations. Putting tourists in jail for minor traffic accidents will not help their cause.

Lack of authorized Mexico Tourist Auto insurance, fatalities, severe injuries, and drinking and driving are but a very few of the ways you can make your way to a Mexican jail. In many respects, much like the U.S.

Check out our site at www.mxici.com . If you have any questions feel free to E Mail us at ici@mxici.com . Or simply call us at 1-800-434-3966. We appreciate your business.