Does car insurance in Mexico cover partial or car theft of the vehicle?

Car Insurance Coverage for Partial and Total Theft

Car insurance in Mexico can cover total or partial theft, depending on the policy you have.

"Robo total" (Car Theft): Refers to the complete appropriation of the vehicle without the owner’s consent.

• The insurer compensates you with the vehicle’s value (as stipulated in your policy).

"Robo Parcial" (Partial Theft): Covers the theft of parts or accessories from the car, such as tires or stereos, but only if you have purchased this coverage.

Practical Example:

If your car is stolen while parked and you have "robo total" (car theft) coverage, the insurer will pay the agreed-upon value. However, if only the mirrors are stolen and you don’t have "robo parcial" (partial theft) coverage, you’ll need to cover the costs yourself.

Requirements for Filing a Claim:

1. File a report with the "Ministerio Público".

2. Notify your insurer immediately.

3. Provide the vehicle’s documentation.

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