What to do if you get in an auto accident
The most important thing to remember if for some unforeseen circumstance you need to use this insurance, is to file the claim while you are still in Mexico. Don’t wait until you are back in the U.S or your Mexican insurance won’t be valid!
When you purchase Mexican insurance, you get a set of instructions that include the number you need to contact in case of an accident or theft. Make sure you print these instructions and keep them with you, and not in the vehicle. First, you will have to call the local police; after that, you will need to call your insurance carrier.
In our experience, few people file theft claims while they are in Mexico, but accidents do happen on the roads. Drive safe and follow traffic rules. Remember to stay below the speed limit, specially in the border town of Sonoyta, since there is a strong police presence and fines are high. If you see a top sign, please stop, even if its location does not make sense!
Mexico Highway 8 from Sonoyta to Puerto Penasco is a relatively smooth two lane highway. The speed limit is posted in kilometers and ranges from 40 to 90 kilometers per hour (25 to 55 mph). Don’t be surprised, however, if once you cross the town of Sonoyta most people drive above the speed limit. The reason being is most of the police are situated in the town of Sonoyta or Puerto Penasco.
If you get pulled over
If you do happen to get pulled over for speeding or other traffic violations in general, the officers are very friendly, but unfortunately they may ask you to settle the infraction in cash with them. We suggest you don’t hand cash to the officer but rather pay your fines at the police station. The officer will escort you to the police station where you can take care of the fine.