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If you are flying into Mexico, and plan to rent a car, purchasing Mexican car rental insurance is one of the most proactive steps you can take to prepare for your trip to Mexico. Whether you are traveling for business or for pleasure, it is required to have liability coverage for your rental car in Mexico. The insurance available at many of the rental car companies in Mexico is quite expensive. We recommend you check pricing at different companies including the insurance coverage and compare to what we can offer. Contact us!
Your Personal Liability
Most Mexican rental companies offer their own insurance coverage. You should consider Loss Damage Waiver (LDW), making sure you will have zero deductible; this will cover any damage to the rental vehicle regardless of who is at fault. It will most likely be expensive, but it is an expense you should try to include in your travel budget.
Many credit card companies offer coverage for rental cars as a benefit of card membership. Coverage is usually limited to physical damage of the rental vehicle but some include LDW (Loss Damage Waiver). It does vary depending on the country you are visiting, so make sure to verify this coverage before your trip. It is also important to check if your rental car company will accept this coverage and what “proof” they may require.
Third Party Liability provided by the rental car company is, in most cases, null or minimal leaving you with great exposure and risk to be held liable for damages to others and their property. Legal aid and bond will be an additional expense. Check with the rental car company to see what limits they offer and at what cost, so you can compare to the policy we offer.
Coverage Included on HDI’s Mexican Rental Car Insurance Policy:
Third Party Liability
$150,000 CSL (combined single limit) of liability covers you in the event that you are at fault in an accident while operating the rental vehicle. It will cover the damages for which you are held liable as a result of bodily injury to others or damage to their property. Third Party Liability covers the amount that you are legally obligated to pay as damages, up to the amount stated on the policy. This coverage excludes the occupants of your vehicle.
Excess Liability in case of death of third party
Included in your policy in the amount of $150,000. This coverage is in addition to the standard liability coverage you purchase and will be used to cover the required indemnification in the event of the death of a third party. Occupants of the insured vehicle are excluded from this coverage.
Medical Expenses to Occupants
This is coverage for you and your passengers for any medical expenses in which the passengers of the rented vehicle may incur in case of an accident. Insurance coverage starts at $5,000 per passenger and $25,000 USD per accident.
Legal Aid and Bail Bond
One of the most important coverages in a Mexican auto policy, it will cover the legal representation and cost of bail bond. If you are involved in an accident in the rented vehicle, this service is provided 24 hours all year round. The limit of the bail bond matches the amount of the third party liability. For example, if $150,000 USD CSL liability is chosen, the bail bond limit will also be $150,000. Legal assistance will be provided to the conclusion of the case.
Term of the policy
We offer daily policies up to 30 days.
Effective and Termination Dates
Coverage takes effect on the date and time you specify as indicated on the face of the policy once the insured has rented their vehicle at their destination in Mexico. Termination dates are expressed on the face of the policy as well. If the car rental period is extended, you will need to notify your Insurance Agent to purchase a policy for additional days.
Claims
Claims must be reported at the time of the accident. To report a claim, the call center with bilingual personnel is available 24/7. Toll free within Mexico: 01 800 019 6000. Or from a US cell phone: 888-212-7642 (check with your service provider for dialing a US number from within Mexico).
Underwritten by HDI Seguros