What happens if you have a car accident in Mexico?

If you find yourself involved in a car accident in Mexico, first thing you need to do is stay calm, get the names and addresses of any witnesses, and very important, do not leave the scene of the accident.  If someone is hurt and you leave the scene, you could face additional charges for leaving a person in need of help.  In other words, follow the same common sense you would at home.

If you do not have Mexican auto insurance and you are believed to be at fault you will go to jail until fault is determined and the damages are paid.

If you have Mexican car insurance with a good company, you will have a list of phone numbers for the Adjusters.  Call the police first, followed by calling the adjuster immediately after.

Your Mexican auto insurance policy will provide you with bail bond insurance, as well as accident insurance if you purchased that coverage.  If you have an accident, trust your insurance company to take care of things.

If you are suspected of driving drunk or stoned, you will go to jail regardless of whether you have insurance or not.  If the police officer files a report showing that you were driving under the influence your insurance company will most likely deny your claim.

If you are involved in a minor collision and it is your fault, you can normally negotiate a cash payment with the other parties involved right there and then.  If, however, people sustained injuries, there will be an investigation by the police and statements taken. The vehicles and drivers involved will be detained until it is determined who is at fault.  This is why it is very important you have the contact information of several witnesses.  You will have the opportunity to post a bond to secure your release until the investigation is finished.  If you have a Mexican car insurance policy, your lawyer or adjuster should handle this for you.  Make sure the vehicle insurance policy you purchased contains this coverage.

If it is determined that you were not at fault, you will be released and your adjuster will look after getting your vehicle repaired and returned to you. If you are at fault, you will be charged and the case will be heard in a criminal court. You will remain free on bond until the Hearing.

If you are found guilty the penalties will vary based on the seriousness of the accident and the damages caused.  If there was a fatality as a result of the accident, the jail term is from three days to five years.

Payment for damages will be the actual cost of medical expenses and the actual cost of property damage.

Conclusion:  Being involved in an auto accident is never easy no matter where you are but do your self a favor and don’t skimp on insurance when traveling to Mexico.  If you are involved in an auto accident in Mexico it will make the process go much easier and faster for you, not to mention all the money you won’t have to put out of your own pocket.  For just a few bucks you can Get Mexican Insurance.  You’ll be so glad you did.  It’s worth every penny!

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