Mexico Auto Insurance - Savior Away From Home
May 18, 2008 – 1:48 pmFor an American visitor, a car accident in Mexico is a great deal more serious than the same type of accident would be at home according to Mr. Kitto. In his personal account of having a car accident and spending a week dealing with Mexican Authorities, Kitto hopes to alert all Americans planning to drive in Mexico of the need to be fully prepared.
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 was at the wheel of the truck, as he was an impeccable driver who knew how to maneuver with the road conditions that were becoming unbearable due to a mounting rainstorm. This left him relying on his friend’s Mexico insurance.
Bill and his friend were traveling at a cautious 30 MPH hour when they rounded a corner to find a Mexican military hurtling towards them partly on their side of the road. Unable to avoid the crash, the two vehicles impacted head-on left, sending the personnel scattered down an embankment and Bill and his friend into the cliff wall on the opposite side.
Within minutes, the Mexican police arrive and one speeds an injured Bill away to a location unknown to him or his companion who is left standing roadside. In Mexico, there is no ‘innocent until proven guilty’ - exactly the opposite.
Because he did not know if his friend had Mexican car insurance, Bill was put in a Mexican jail cell, not knowing what would happen to him and with no contact with anyone outside.
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.
Bill’s complete story is long and involved-and not a little discomforting. Bill spends a week alone in a Mexican hospital trying his hardest to stay injured enough to avoid the inside of a Mexican jail; he’s at the mercy of the local government, questionable legal representatives, and muddled technology that makes what amounts to paying his way out an act in futility.
There were many times when Bill was unsure if he would ever get out of the mess-if he could afford to get out of the mess. In the end, Bill does gain his tenuous freedom, only after spending more than $28,000 US. Luckily for Bill, he was able to secure the money to secure his freedom, but many other Americans would have fallen far short.
Because of the mountains of red tape and the corrupt officials he dealt with, Bill is not sure if he will ever see any of his money back. Using the lessons he learned from his experience, Bill works to educate Americans planning to travel in Mexico.
Be sure to have a cell phone or satellite phone on you at all times and learn the dialing codes in Mexico.
Keep in contact with family at home who can send money quickly when needed and keep close contact with your Mexican Insurance company since you may not be able to reach them yourself.
And most importantly -
ALWAYS HAVE MEXICO AUTO INSURANCE - the kind that delivers good protection and adequately covers personal injury and damage to property.
Verify that your Mexico auto insurance is from a quality insurance 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!)
The horrendous experience Bill went through proved just one thing - it is money that matters in Mexico. There, it doesn’t matter how they get it or where it comes from, but if you can grease their palms with enough cash, it makes a difference in being seen as guilty or innocent.
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.
Tags: Insurance
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