What happens if you drive a car that is not insured under your name in Mexico?

What happens if you drive a car that is not insured by you?

Some policies in Mexico include "Extensión de Responsabilidad Civil" coverage, which protects the insured even when driving another vehicle, covering damages caused to third parties or property in a traffic accident. However, the vehicle must meet certain conditions, such as being similar to the insured vehicle and not being used for commercial purposes.

Additionally, if the ‘borrowed’ vehicle has an insurance policy, it will cover damages caused to third parties and, if the policy includes coverage for property damage, those to the vehicle itself, even if you’re not the policyholder.

Example:

If you drive a car that is not insured by you in Mexico and have an accident, but you have auto insurance in your name for another vehicle, your insurance may cover damages to the vehicle or third-party injuries, as long as it includes Extensión de Responsabilidad Civil coverage. On the other hand, if the ‘borrowed’ vehicle is insured, it may cover the damages, including those to the vehicle itself, depending on the terms of the policy.

Limitations of Civil Liability Extension coverage:

• It does not apply if you drive commercial vehicles, such as taxis or trucks.

• It only protects the insured while driving a vehicle similar to the insured one.

• It only covers damages caused to third parties.

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.