Driving in Other Places with Your Texas Auto Insurance

Planning to drive around and wondering about how your Texas auto insurance works during your trip? Here are some facts you should know about driving in the United States and other places. It is important to note that the information here are general and other details may not apply to you or your policy. For more accurate information, it is best to check your contract.

• As a rule, a standard Texas auto insurance policy is honoured within any other state in the United States and in Canada, unless otherwise specified in your policy.
   
• Mexico doesn’t recognize the auto insurance policies in the US, so your insurance will typically not be covering you there, unless also stated in your insurance policy.
   
• In most cases in Mexico, when you are involved in a car accident in Mexico that has resulted to an injury, the police may hold you until the party at fault has been determined. It is very important to still carry your auto insurance card in order to prove to them that you are financially responsible in US standards.
   
• The Mexican government will be responsible in determining whether you are financially responsible for any medical bills and car repair bills caused by the accident you were in.
   
• There are some Texas auto insurance companies that offer free endorsements for policies which can cover some trips to Mexico, with provisions for your length of stay and how far you go into the country. For longer stays, you may have the option from your insurance company to buy additional coverage for your whole trip. It is important to find out, before you buy any such coverage, if these endorsements are going to meet the legal requirements of Mexico itself.
   
• There are also some types of coverage you can buy before you go on a trip to Mexico that will extend your liability coverage to be able to pay any bills that exceed Mexico’s liability standard limits. Again this depends on your length of stay and where in Mexico you will be driving to.
   
• Mexican liability insurance can also be bought from authorized Texas auto insurance agents and companies. For more information, it is best to go to their office to inquire, or go to their website where information may be available.

The most important thing to remember when driving within the US and in nearby countries like Mexico is to do your research before the trip. Note if you are covered, how much will be covered, what paperwork you need to bring along, and what other things you need to do to ensure that you stay protected during your trip.