to Handle an Auto Accident in Mexico
What do I do if I have an accident in Mexico?
CALL AN ADJUSTER!
Do about a Claim on Your Insurance
For Handling Claims Occurring in Mexico
•The 5 Basic
What To Do about a Claim
on Your Insurance
First a little background. Remember that Mexico
is a foreign country and its laws are different
from the U.S. This guide is designed to help you
know what is required by the Mexican insurance
company so that your loss can be resolved as quickly
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One Car Accidents
If only your car is involved in an accident or
damaged in any other way, two situations exist:
1. If the car can be driven safely, contact
one of the Mexican adjusters shown on the Claims
Service Centers page. The adjuster will complete
an accident report, and you should receive a copy.
You must report to an adjuster for SEGUROS COMERCIAL
AMERICA before returning to the U.S.
2. If you are unable to drive your car, report
to an adjuster for SEGUROS COMERCIAL AMERICA in
Mexico before returning the U.S. The adjuster
will make an accident report (with a copy for
you) and arrange to take your vehicle to a lot
or to a shop. Please remove all of your personal
effects and papers.
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Multiple Car Losses
Call an adjuster as soon as possible. Do not accept
responsibility or offer to pay the other driver.
Usually, the police will arrive at the accident
scene. Show them your insurance policy and the
adjuster list. Mexican police know that virtually
all tourists have insurance; they will generally
help you contact your adjuster.
The adjuster will complete and accident report
and secure a copy of the police report. You should
ask for a copy of both. The adjuster will also
assume responsibility for taking your damaged
vehicle to a lot or a shop, or, if you are unable
to drive the car, he will attempt to arrange the
situation so you may proceed.
If there are injuries in any vehicle involved,
you and the adjuster may be asked to accompany
the police to the precinct house. The adjuster
will handle all details with the police. If you
must leave your vehicle in a police lot, you will
be asked to sign a power-of-attorney so that the
insurance company will be able to remove your
vehicle once all legal requirements are met.
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What Happens Next?
If an adjuster assisted you with the loss, he
will send a copy of his report to the insurance
company's nearest office. The Claims Department
in Mexico will review with you what information
is needed to pay your claim. Basically, they will
need the following:
1. Photocopy of:
* Your insurance policy
* Your driver's license
* Copy of the damaged vehicle's registration
* Photo showing damage
* Copy of adjuster's report
2. Two original estimates
for repair of damage. (WE CANNOT ACCEPT PHOTOCOPIES)
Upon SEGUROS COMERCIAL AMERICA approval, a check
is prepared and sent to you along with a release
which you are asked to sign and return.
The key to a rapid claim payment is your cooperation
in sending the proper data listed above. We have
found that the majority of medium and large claims
can be paid in 30 days if we receive the information
requested in a timely manner. Smaller claims-minor
dents, bumps, and glass breakage- can be paid
A final word about the adjuster. In most smaller
towns and cities, all insurance companies work
with independent adjusters. This means the adjuster
represents a number of companies. If he is attending
a serious loss, he will not be able to respond
to a one-car loss quickly. If this is the case,
let us know which adjuster you tried to contact,
and proceed as shown under One Car Accidents.
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Procedure For Handling
Claims Occurring in Mexico
All accidents or losses occurring in Mexico must
be reported to the Mexican insurance company and
responsible authorities prior to your return to
the U.S. Failure to do so may jeopardize your
1. Complete any regular safety procedures such
as setting out flares, sending for medical assistance,
removing vehicles from traffic if possible, etc.
2. Contact the nearest local adjuster listed on
the Adjusters List included in this section.
3. Be sure to keep copies of all forms and reports
regarding your claim. If possible, take pictures
of any damage to vehicles at the scene of the
4. The Mexican insurance company will arrange
to handle your claim to conclusion.
5. To report a claim/accident/loss, immediately
contact the nearest claim service center or call
the bilingual Toll-Free Hotline for Tourist Claims,
24 hours a day, 365 days a year at 01-800-017-8300.
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The 5 Basic Auto Coverages
All Mexico insurance coverages are the same- only
the limits may vary. Here are brief descriptions
of these coverages. (Specifications of Risks.)
1. Collision, Upset, Glass Breakage:
This covers your vehicle up to limits stated on
your policy for damages resulting from collisions,
upsets (turning over), and glass breakage. The
deductibles are $500 (U.S.) per accident per described
vehicle, boat and/ or trailer. A boat and trailer
is considered one unit and the vehicle is also
considered as one unit. (Both subject to the applicable
2. Fire and Theft: This coverage
protects your vehicle up to the limits stated
on your policy for fire, lightening,explosion,
total theft, strikes, popular uprisings, and meteorological
phenomena such as windstorms, cyclones, hurricanes,
earthquakes and floods. Deductible for fire, lightning,
and explosion is $500 (U.S.). Total theft of the
vehicle is subject to a $1000 (U.S.) deductible.
3. Property Damage: This protects
you against losses resulting in damage that your
vehicle might cause property owned by others-provided
you are legally liable.
4. Civil Liability: This covers
your legal liability for injuries or death to
a third party resulting from the use of your vehicle.
(Occupants of your vehicle are not covered under
5. Medical Payments: This covers
you up to the limits stated on your policy for
the occupants of your vehicle in case of collision,
upset or fire.
6. Partial theft, malicious mischief and
vandalism are not covered. [Back
Risks 1 and 2 the company (SEGUROS COMERCIAL AMERICA)
is not legally obligated to repair or replace
your vehicle, trailer, or boat in the United States.