Mexican Auto Insurance & SR-22s
Mexican Auto Insurance Information
Mexican auto insurance provides vehicle insurance for tourists driving in Mexico. This type of insurance was created because U.S. insurance policies are not recognized by authorities in Mexico in the event of an accident.
A liability-only policy provides coverage for medical expenses and property damage to third parties if someone is involved in an accident. Full coverage policies are available as well, including physical damage and theft coverage. Policies are available from one day up to one year with most annual policies costing less than a policy in the United States. They are available both by walk-in offices near the border, and over the internet.
Under Mexico's driving system, those deemed to be at fault in an auto accident are guilty until proven innocent. If injuries have been sustained, those at fault are then responsible for not only medical expenses but also providing financial support for the injured parties and their families until they recover.
In the United States
, an SR-22
(sometimes referred to as a certificate of insurance
is a vehicle liability insurance
document required by most state Department of Motor Vehicles
for "high-risk" insurance policies.
A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident
or conviction of another traffic-related offense, such as a DUI
An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.
If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.