At least 19 Mexican insurance companies have found a way to profit from drivers' liability exposure in Mexico. During 2005, 19 Mexican insurance companies sold liability insurance to drivers. Anyone who wants to drive beyond the 20 miles just south of the border (or along the Baja Peninsula) should purchase some Mexican liability insurance.

A study of Mexican legal codes underscores the risk of liability exposure in Mexico. Such legal codes put the onus of responsibility on every driver in Mexico. Such codes say that anyone involved in an accident should be declared guilty, until he or she can be proven innocent.

In other words, any driver involved in an accident must present proof of an ability to come up with the needed monetary compensation. Failure to present such proof could result in a heavy fine, or even jail time.

While most of the companies that sell Mexican insurance have their offices in Mexico, a few U.S. companies have been licensed to sell Mexican insurance for cars. A policy purchased inside the U.S. gives added security to a U.S. driver who is headed for Mexico. The holder of such a policy can cross the border without feeling at risk for liability exposure in Mexico.

Still, drivers who buy a Mexico insurance policy in the U.S. should not delay about reporting an accident, while in Mexico. If a driver who bought a policy in the U.S. were to report any accident only after returning to the U.S., then that driver would loose all claim to the offers in that policy. An accident that occurs in Mexico must be reported while the driver remains in Mexico.

While Mexican law threatens harsh penalties for all those involved in an accident, it presents a loophole for those who would commit vandalism or vehicle theft. Criminals of that type are less apt to feel the pressure of liability exposure in Mexico. That fact can be found in the small print of the Mexican insurance policy.

Most such policies provide no coverage for the loss of a vehicle due to theft, or damage to a vehicle due to vandalism. Someone who plans to drive to Mexico City ought to invest in a good car alarm. If not willing to pay for an alarm, then the driver should get an alternative theft-control device.

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