If you don’t have Mexico coverage under your U.S. policy, it’s important to buy a Mexican car insurance policy—especially because you could end up in a Mexican jail without one.
Using Your Car for Business
Your auto insurance policy is intended to cover “personal use” of your vehicle, such as commuting to work, going on errands and taking summer road trips.
Business use of the vehicle is generally excluded from coverage. So if you’re delivering food as a job, for example, you likely aren’t covered.
Water Damage from Leaving Your Windows Open
Many drivers like to leave their windows down on a warm day. But leaving your window down can leave you open to damage that car insurance won’t pay for.
For example, comprehensive insurance covers car damage from flooding, but it likely won’t cover damage from rain that gets in through an open window or sun roof.
Intentional Vehicle Damage
No insurance policy will cover damage that a policyholder has intentionally done to their own vehicle, house or possessions. So if you took a hammer to your car in a fit of rage, repairs will be at your own expense.
But intentional damage to your vehicle done by others—meaning vandalism—is covered under comprehensive insurance.