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Mexican Auto Insurance - What to Expect if I Get Into An Accident

By: Linden Gray

Documents You Need

Without the right paperwork and documents, an auto accident can create a never-ending nightmare that can cost a lot of money and involve a lot of red tape. This is why it is important to have the following documents with you in Mexico.

1.Mexican Auto Insurance Policy: You must have Mexican Auto Insurance issued by a company recognized by the Mexican government. In addition to the policy, you should have premium payment receipt, accident instructions, and contact information for your provider. Recognized insurance providers such as MexicanInsuranceStore.com provide excellent documentation.

2.A valid driver's license. Your current license should have your photo, address, and should match the name on the title or registration of your vehicle that you are carrying with you.

3.Your vehicle title or registration receipt. The registration or title should be in your name or should have the owner's name as well as the principal driver. If your vehicle happens to have expired tags or is not registered, it may be confiscated.

4. Proof of citizenship. You should carry with you a driver's license, birth certificate, passport or other notarized proof of citizenship. In 2009, a passport will be required.

5.Letter of permission from a bank or lien holder. If you don't own your vehicle, and will be traveling beyond the border zone, which is approximately 65 miles from the border, you need to have a letter of permission from the bank or lien holder for cars that have been financed, or leased or rented or owned by your company.

6. Credit Card: A credit card, such as Visa, Discover or MasterCard with your name on it.

7.A vehicle permit. If you are going to be traveling beyond the border areas, you need a temporary import permit displayed on your windshield.

8.Affidavit to return Car to the United States. If you're traveling beyond the border zone, you must sign an affidavit that says you promise to return your vehicle back into the US. You must pay a refundable deposit.

If an Accident Should Occur

In an event of an accident be prepared to do the following:

1.Don't leave your vehicle until the police arrive.

2. Get in touch with your medical emergency support provider if needed.

3. Call your insurer using the in Mexico phone number.

4. Stay with your vehicle until you meet up with the insurance adjuster.

4.Fill out the accident report.

5.If your car needs to be towed, fill out and sign a parts inventory sheet.

After The Accident

You'll need the following forms to file insurance claims:

1. Police Report: You need a duplicate of the initial report filed by the Mexican police.

2. Medical Report: The company will supply a form that needs the signature of the licensed physician who was responsible for delivering medical attention.

3.Medical Invoices: Any invoice issued by the hospital, physicians, and pharmacy.

Finally, allow your insurance company to manage the accident. Do not reach any verbal agreements or sign any written agreements with the other party that was involved.

Most importantly, do not assume liability in the accident. Your insurance company will guide you through the claims process, and will inform you of any liabilities, if any, that you have incurred.

Article Source: http://www.article-voip.com

Author Linden Gray is an international veteran with over 29 years of commercial & personal insurance experience. Mr. Gray has been featured in many periodicals including RV Magazine, PE.com, Google, Yahoo, Digg & Buzzle. His website is: mexican auto insurance.

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