What does a basic car insurance policy cover in Mexico?

What does basic car insurance cover in Mexico?

A basic car insurance policy meets the minimum legal requirement in Mexico to drive on roads, highways, and federal bridges. Its main coverages include:

• "Responsabilidad Civil" (Liability Coverage): Covers the legal obligation to repair or compensate for damages caused to third parties (people or property) in an accident.

• "Gastos Médicos Ocupantes" (Medical Payments Coverage): Protects passengers in case of injuries due to accidents, assaults, or attempted assaults.

• "Asistencia Vial" (Roadside Assistance): Includes services like towing, locksmiths, or battery recharges.

• "Asistencia Legal" (Legal Cover): Offers legal guarantees and support, such as bail bonds.

Example

In an accident where you are at fault, this policy covers third-party damages but not your vehicle’s.

Limitations

• Does not cover vehicle damage.

• Excludes partial or total theft.

Recommendation

Compare packages from insurers such as Zurich or Chubb, which offer basic coverage as their minimum, or Qualitas, which provides a more affordable liability-only option.

Get a Car Insurance Quote

At Sáas, we have a team of consultants who can guide you through the process of contracting and using your policy.