What does “liability” mean and what does it cover?
Liability is an obligation to pay money to parties other than yourself or occupants of your vehicle. For our liability car and term auto insurance for travel to Mexico, the liability component of the insurance covers damages which you might cause to other vehicles or property in an accident. Our liability car and term auto insurance for travel to Mexico also covers costs for bodily injuries which you might cause to other parties.
For example, If you carried our liability car insurance while traveling in Mexico and you caused a serious highway accident in which you hit and totaled another car, resulting in several injuries needing medical attention. After it was found that you were legally responsible for the accident, you would be required to reimburse the driver and passenger in the car you hit for medical expenses they incurred, plus other expenses as determined by the Mexican court, and the value of their vehicle. For our liability car and term auto insurance for travel to Mexico, the liability component of your insurance policy, be it liability-only or full coverage, would pay for any of these expenses up to the limit on the policy.
Included in Car or Motorcycle liability insurance coverage policies in Mexico:
1:Civil LiabilityThis part of the liability car and term auto insurance policy coverage for travel to Mexico protects you in the event you cause bodily injury or property damage to third parties. Coverage is available up to $300,000 U.S. Combined Single Limit for damages you do to others. BEWARE OF OTHER COMPANIES WHO USE LOWER SPLIT LIMITS, I.E. 40/80/40. Lower split limits reduce the amount of payment for certain types of losses incurred on your liability car and term auto insurance policy for travel to Mexico.
2:Guaranteed Bond and Legal Assistance- Our liability car and term auto insurance policy for travel to Mexico will pay to assist you in the event you need to deal with Authorities following a covered cause of loss. BEWARE OF OTHER COMPANIES WHO DO NOT INCLUDE THIS COVERAGE IN THEIR PROGRAM.
3:Travel Assistance – Our liability car and term auto insurance policy for travel to Mexico includes certain types of travel assistance, including medical assistance, tourist information, vehicle towing, etc. MOST OTHER MEXICO CAR LIABILITY INSURANCE COMPANIES DO NOT OFFER THIS SERVICE.
4:Medical Expense for Occupants – Our liability car and term auto insurance policy for travel to Mexico will pay medical expenses of the driver and occupants of the vehicle in Mexico for injuries sustained in a covered cause of loss. Liability car and term auto insurance for travel to Mexico policies are available up to $5,000 for each injured party but not more than $25,000 for all occupants combined. Not included in MOTORCYCLE policies.