Car Insurance In Mexico
Failure to have car insurance in Mexico can land a driver in hot water. Mexican law requires proof of liability coverage. If a visitor to Mexico fails to purchase car insurance in Mexico, and if that driver becomes involved in an accident, that driver would be found in violation of the law. He or she could end up in jail.
A driver might well realize that Mexican law can hold him or her liable for damage to another vehicle. Still a driver in Mexico might not understand the full meaning of the Mexican law. A driver in Mexico can be held liable for damage to trees or even to rocks along the side of the road. That is why it is important to get car insurance in Mexico.
In a Mexican traffic court, the judge will generally talk about at least two types of damages. One such damage represents the actual damage to the vehicles involved in whatever accident is before the judge. The judge can hold a driver liable for that damage.
A judge could also hold a driver liable for something called “moral damage.” What is “moral damage?” It is the Mexican equivalent of the “pain and suffering” mentioned in a U.S. civil suit. The court judge determines the amount of moral damages that must be paid by the driver faulted for the car accident.
Sometime a judge can point to a damage that falls outside of either actual or moral damages. The Mexican judge has the right to expect the driver at fault to cover all accident damages. The judge can add to the conventional damages. A driver who buys car insurance in Mexico obtains financial protection from the whims of a Mexican judge.
Having learned about damages in Mexico, a driver headed into Mexico should also become familiar with the extent of liability coverage. Such coverage gives the driver at fault the ability to handle all the expenses resulting from an accident. Some of those expenses come under the heading “damages,” and some are expenses never mentioned in a U.S. traffic court.
Suppose, for example, that a vacationing driver in Mexico tries to avoid a farmer and his stock (something that could well happen in Mexico). Suppose that that action leads to a terrible accident. Suppose that a member of the third party is killed as a result of that accident. The driver is then held liable for the funeral expenses.
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