Many Canadians don't find out until it's too late that Mexico does not accept foreign auto insurance policies.
While your coverage in Canada may provide full coverage for all vehicles and persons involved in an auto accident, Canadian car insurance policies are invalid in Mexico.
  At the scene of an accident police will detain both you and your vehicle until fault can be established.
Under Mexico's Napoleonic system you are guilty until proven innocent, not vice versa.
If you are found at fault and injuries have been sustained, you are then responsible for not only medical expenses but also providing financial support for the individual and their families you have injured until they recover.
This is why you must purchase a Mexican insurance policy from a company authorized to do business in Mexico.
Canadians driving to Mexico should choose their Mexican Auto Insurance company and policy in advance to garner the best rates and service.
Various vendors near and across the Mexican border will provide coverage, however, it becomes very difficult to verify whether or not the company providing the policy is approved, able to pay claims and has a good claims paying reputation.
It's also difficult to figure out if  needed coverage is included, and what would be a fair price for the policy and fees? How To Find The Best Mexican Insurance for Canadians driving to Mexico Online shopping for Mexico Auto Insurance is the fastest and easiest way to find Mexican auto insurance.
Mexican car insurance websites with verifiable references, more than one policy offered, and the ability for you to compare and customize quotes is essential.
Also, only use companies that have customer service numbers with reps you can contact directly if/when questions arise.
Call and use your gut as to whether or not the online company is one you would trust if an accident occurs while you are in Mexico.
What to Look For In a Mexican Insurance Plan Similar to Canadian law, liability coverage is the minimum insurance required by Mexican law.
However, liability coverage will only suffice during minor traffic incidents, not accidents.
Depending on the severity, location, and/or length of the investigation by authorities, liability coverage alone will probably not be enough.
When shopping for a Mexican insurance plan, look for one that minimally offers - Third Party (Civil) Liability - Medical Expenses for Driver and Occupants - Medical and Travel Assistance - Physical Damage and Total Theft of Vehicle - Legal Assistance and Bail Bond - Approved Claim Adjusters located in Mexico - Roadside Assistance - Partial Theft and Vandalism - Urgent Message Services Additional policy considerations you may want to be certain to check include: - the maximum number of passengers covered in an accident - the monetary limits each service covered by the policy - location exclusion that may apply (Please note that all areas in Mexico may not be covered by your insurance policy.
If your plan is to travel to these areas, extended coverage may be needed).
For short trips into Mexico, most Mexican Car Insurance companies will present you with policies that cover daily, monthly, or annual coverage times.
Before making a purchase, make sure that your entire stay will be covered by the policy you choose.
In most cases, the longer the coverage period, the cheaper the overall policy will be.
Proof of a Mexican Insurance Policy While in Mexico Similar to the proof of insurance required in Canada, you should receive valid proof in the following form from your Mexican insurance provider: - an authentic and recognized Mexican auto insurance policy - instructions on what to do during and after an accident - a detailed list of contact phone numbers (look for 24 hour availability) - proof of payment through a premium payment receipt Keep these items as well as your drivers license with you at all times while traveling in Mexico.