Mexico On My Mind

About Us | Contact Us | Blog | Free Guide
  • Home
  • Places to Live
    • Living In Tulum
      • Getting to Tulum from Cancun Airport
    • Baja Norte Sonora
      • Ensenada
      • Puerto Peñasco
    • Baja California Sur
      • La Paz
      • Los Cabos
      • Todos Santos
      • Los Barriles
    • Central Mexico
      • Cuernavaca
      • Lake Chapala
      • Puebla
      • San Miguel de Allende
    • Mayan Riviera
      • Cozumel
      • Playa del Carmen
      • Tulum
    • North Pacific
      • Mazatlán
      • Puerto Vallarta
    • South Pacific
      • Puerto Escondido
    • Yucatan Peninsula
      • Campeche
      • Merida
      • Progreso Corridor
    • Local Resources
  • Safety
    • Is Mexico Safe for Expats? Yes, see why.
    • How Dangerous Is Mexico? Find out.
    • Crime: USA vs Mexico
    • Mexico Is Safe and Fun for Expats
    • Should You Purchase a Hack Proof Wallet Before Your Trip?
  • Immigration
  • Cost of Living
  • Insurance
    • Auto Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Health Insurance
      • Travel Medical
      • Major Medical
    • Home Insurance
    • Boat Insurance
    • Insurance Articles
  • Move to Mexico  
    • Cancun Airport to Tulum Transfers
    • Action Consultation
    • Tulum Real Estate
    • Retirement
      • Funding Retirement
    • Things to Know
    • Bringing Your Car
    • Bringing Your Pets
    • Places To Visit
    • Healthy Mexico
  • Free Mexico Guide
    • Get our Movers Guide to Mexico absolutely FREE

Why Mexico Auto Liability Insurance Is So Important

car accident
In Mexico, it is the law that you carry liability auto insurance.  You do not have to carry collision, but you have to carry liability.  Getting into an accident in Mexico is not good news. If you heard life in Mexico is dangerous, wait till you see their jails!  It is definitely not a laughing matter to find your self in a Mexican jail, which is where you are headed unless you have insurance or enough cash to cover any and all damages.

 

Due to changes in Mexico Auto Liability Law, we now recommend that all our customers purchase a minimum of $300,000.00 in liability limits, and consider purchasing the $500,000.00 limit. Civil liability in Mexico covers bodily injury or death to third parties up to the limits of your policy.

In the past, the liability damages imposed on an at-fault driver who caused a negligent fatality in Mexico were capped at 730 days multiplied by the local Mexico minimum wage: Approximately $ 50,000 total damages in most Mexican states.

Now, that limit has been increased by the Mexican Government to 5,000 days multiplied by the local Mexico minimum wage:  Up to approximately $300,000.00 US Dollars total damages, depending on the Mexican state.  

We suggest that you now use the same level of care regarding Mexico Liability Limits that you would use when purchasing a US or Canadian auto liability policy.   The change to Mexico Liability law means that claims for Death Liability in Mexico will now be similar to the damages that are often imposed by courts in the US and Canada in similar cases.

Our Mexico auto policies with each of our three companies, Ace Seguros, ABA Seguros and GNP, will cover liability to third parties costs associated with:
  • Medical expenses incurred for first aid
  • Medical treatment and/or burial expenses, if any, for third parties, other than occupants injured by the insured vehicle
  • The insured’s Civil Liability for death, total or partial disability or temporary or permanent disability pursuant to applicable laws in force in the Mexican Republic
  • Costs and Expenses to be borne by the Insured or the Driver as consequence of a trial entered against him as consequence of his Civil Liability

What About Occupants of My Own Vehicle?

Interestingly enough, occupants in your own vehicle may not sue you for damages in the event of injury or death due to an accident that you are found negligent in.  The Mexican government looks at these situations as it was the passengers choice to get into the vehicle with the driver and it is understood that when a passenger gets into a car, there is a chance the driver may have an accident.  Each passenger in a car needs to have their own health insurance policy to cover their own health care.

June 17, 2013 By Ron Burdine

Get Our Guide

Moving to Mexico Guide
 
 
We respect your privacy.
View our privacy policy.

Expat Testimonials

Ron is the consummate professional
Ron is the consummate professional and an incredible resource to have for all-things-Tulum and the surrounding areas.  Ron’s in-depth knowledge of, and caring ways for, this magnificent region of Mexico is second-to-none.  If you’re seeking vacation or travel advice for things such as lodging/hospitality/spa’s, restaurants, shopping, beaches, sports/fitness, adventure day-trips to the nearby ruins/fishing/boating/diving/snorkeling/cenotes/zip-lining, 4-wheeling, etc., or need more in-dep… Read more
Michael SchmitAustin, TX
Ron is one of the angels.
We can truthfully say that were it not for Ron’s sage guidance and advice, we would not have made the decision to buy land and build a house in Mexico. We have not had a single regret. It is simply paradise. And Ron is one of the angels. Thomas M. Bayer, PhD. Laura D. Kelley, PhD. Tulane University New Orleans.
Thomas & LauraTulane UniversityNew Orleans
Ron Burdine made this whole move possible
Ron Burdine made this whole move from Philadelphia possible..their knowledge and organization skills (that I don’t have) helped me create order out of my chaos..there are a million details that are just too much for one person to put in order. At least this one person. We followed Ron’s suggestions and had the secure feeling that we were ready for anything, and we were.. we had insurance, directions, hints, tips and suggestions..we have been here (Isla Mujeres) for 6 weeks and Ron is still o… Read more
Bart Salop
I highly endorse working with Ron.
If you are visiting Tulum, I highly endorse working with Ron. As an Expat he understands the needs and desires of those traveling to the area for a vacation or looking to relocate to the area. You will be in great hands with Ron. Feel free to contact me to discuss Ron’s merits further!
Brian Ripley

Insurance For Mexico

International Health Care Quotes
Mexico Insurance

Search Our Site

Search Our Resources

Get Our Free Guide

Moving to Mexico Expat Guide

Copyright © 2025 Mexico On My Mind. All rights reserved. Powered by Genuine Goods, LLC - Privacy Policy

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.Accept Read More
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT