If you are planning a trip to Mexico in your RV, be sure you understand Mexico Liability Insurance.
“Explorer RV Insurance Agency suggests checking with the State Department before traveling to Mexico. The State Department’s website is an excellent resource for travel alerts and current conditions including areas to avoid. Visit their website here.”
Annually, many Americans visit Mexico in their RV, car, or truck. Before crossing the U.S. border into Mexico, it is essential to consider purchasing Mexican domiciled car insurance. If you do not have this protection, you will not be reimbursed in the event your vehicle is damaged or stolen. And, if you have an accident there, you also run the risk of being detained with your vehicle
The good news is there are flexible and affordable Mexico liability insurance policies to protect you and your RV. You may obtain a policy for daily, six-month, or annual terms. The cost for this coverage is based on a number of factors including:
- The duration of your trip (number of days in Mexico)
- Liability limits selected
- Level of travel, legal, and roadside assistance coverage you elect, keeping in mind that your U.S. roadside coverage does not cover you in Mexico
In addition, If you elect physical damage coverage, the value of your vehicle will be considered (most RV specialty companies can cover this for a lower cost, so check with a company such as National Interstate Insurance for more information).
Optional coverages you may purchase include:
- “Fixed Deductibles” (applies to coverage for theft or damage to your vehicle)
- Vandalism and partial theft coverage
- For physical damage coverage, all repair and claims can be settled in the U.S.
- Third-Party Liability – Protects you from bodily injury or property damages to third parties in the event of an accident
- Legal Assistance – third-party liability limit for a covered loss should you need a bail bondsman or legal assistance
- Medical Payments -- reimburses medical expenses as a result of a covered vehicle accident of $10k USD per person / $50k USD per accident
- Roadside Assistance – for towing, emergency fuel delivery, flat tire service and more
- Travel Assistance -- emergency communications and messaging, emergency money transfer and more
- Medical Assistance – 24-hour medical assistance, land and Air evacuation and more
Check with an agent for more information and a quote.
Other considerations when traveling to Mexico
Have Correct Identification:
For the latest Mexico entry requirements: Contact the Embassy of Mexico website, or call the Embassy at (202) 736-1000 or any Mexican consulate in the U.S.
Land travelers must have a valid U.S. passport or a U.S. citizenship document accompanied by acceptable photo identification, such as a state or military issued ID. A passport or passport card is the best way to provide this information.
Effective March 1, 2010, all U.S. citizens are now required to present a valid U.S. passport to enter Mexico. This does not apply to the Baja region of Mexico.
Traveling with your pet?
Animals must have a health certificate to be able to enter Mexico. Click here to see where to get a health certificate.
Information on your destination:
To learn more about your destination, check the U.S. Department of State’s Background Notes.
For extended trips, register with the US Embassy or Consulate:
Register with the U.S. Embassy or Consulate and make your presence and whereabouts known. This is important in case it is necessary for a consular officer to contact you in an emergency or disaster. American consular officers can assist in evacuation, should this become necessary. Register with the nearest US Embassy or Consulate through the State Department’s travel registration website.
How to reach the U.S. Embassy:
Address: Embajada de Estados Unidos
Paseo de la Reforma 305
06500 Mexico, D.F
Telephone: From the United States: 011-52-55-5080-2000
From Mexico: (01-55) 5080-2000
Long distance within Mexico: 01-55-5080-2000
Give Your Passport ID Numbers and Itinerary to Someone in the US:
In case of an emergency, it is important to leave your detailed itinerary and ID numbers with a friend or relative back home.
Obtain the Consular Information Sheet for Mexico:
Check for any Department of State Travel Warnings.
Personal Safety Advice:
Women traveling alone are especially vulnerable and should exercise caution, particularly in the evening. Victims, who are almost always unaccompanied, have been raped, robbed of personal property, abducted, or held while their credit cards were used at various businesses and Automatic Teller Machines (ATMs). Traveling with others is strongly recommended.
US citizens should exercise caution when using ATMs in Mexico. If it is necessary to use an ATM, it should be accessed only during business hours at large protected facilities (preferably inside commercial establishments, rather than at glass-enclosed, highly-visible ATMs on streets).
What can you bring into Mexico?
Under the FM-T, Mexico Visitor’s Permit, each individual traveling to Mexico by land can bring the following items into Mexico duty free:
- Gifts or other various items with a value of up to $75.00 duty-free, except for alcohol and tobacco products. Click here for duty free requirements from the Mexico Customs website.
- Click here to see what personal items are permitted into Mexico duty-free.
What merchandise can you bring back across the border from Mexico?
Mexican Regulations (remember these regulations can change, so click the link below for updates):
- When leaving Mexico, you must pay a 15% tax on items purchased in excess of $300 USD. The purchased items can be combined among family members, including children/minors.
- If the value of the goods purchased is greater than $1,000 USD per family member, after subtracting the $300 USD exemption, or if any of the goods is subject to non-tariff regulations or restrictions, you must hire the services of a customs broker.
US Regulations (remember these can change, so click the link below for updates):
- Every 30 days, US citizens who have been in Mexico for 48 hours or more are allowed to bring back $800 worth of duty-free merchandise. The purchased items can be combined among family members, including children/minors. (For example, a family of three: two parents and one child can import up to $2,400 in duty free items).
- A flat-rate duty must be paid on the next $1,000 worth of purchases.
- Any purchases above the flat-rate duty amount must be paid at the duty rates for those items.
- You are generally allowed to carry one liter of duty-free alcohol back into the United States for personal use.
Avoid paying duty on foreign-made personal items by registering them with US Customs before you go to Mexico. Take the items to the nearest Customs Office and obtain, at no cost, a Certificate of Registration, which allows duty-free entry for the life of the item.
Firearms and Knives:
It is best not to carry even a pocketknife into Mexico, as this can result in a weapons charge if a knife is found on a traveler who is arrested for a separate offense. Visitors driving across the border should ensure that their vehicles contain no firearms or ammunition. Mexico imposes harsh penalties for bringing as little as one bullet across its borders, including imprisonment.
Penalties for drug offenses:
The importation, purchase, possession or use of drugs can incur severe and strict penalties, including imprisonment without bail for up to a year before a case is tried. Convicted offenders can expect large fines, as well as jail sentences up to 25 years. Individuals 16 years of age or older are tried as adults.
Warning flags on beaches should be taken seriously. Black or red flags mean DO NOT enter the water. Strong undertow and rough surf are common along beaches throughout Mexico, especially on the Pacific coast, and drowning has occurred because of it.
Whether you are going for a weekend trip or for winter vacation, you need to feel secure that everything is going to be okay when the unexpected happens. A specialty RV agent can provide you with the right coverage to fill gaps that may exist. Please consult with an agent before your next trip to Mexico!