CarInsurance For Foreigners in USA: Thousands of cars cross the United States border every
day and to do so they only need a valid driving license and license plates from
the country of origin. In addition, it should be noted that it is likely that
the Department of Motor Vehicles of the state in which the car circulates could
require something additional.
What is essential is auto insurance that covers at least
driver and occupant injuries, and also damage to third parties in property and
people that it covers in both countries.When hired in the country of origin,
the company must deliver a policy certificate in English.
What
should the border zone insurance contain?
The authorities of the United States can accept basic
policies, already mentioned above, and full insurance with coverage that
assists the driver and his passengers.
Basic
insurance package in the United States
The
coverage is as follows:
Civil Liability
in Assets and People: damages caused to other drivers are covered in their
assets, which can be a house, car or business. In the same way, physical
injuries and even death of affected third parties are protected. This coverage
must be extended to the United States and Canada.
Civil Liability
Excess Death: the insured amount is increased to almost completely compensate
the death of a third party.
Legal
Assistance: if the consequences of an accident make the insured accountable to
the authorities, this coverage will provide an attorney, legal defense and even
payment of bails. There is no limit of uses.
Also, Check: How To Get Car Insurance Online
Also, Check: How To Get Car Insurance Online
Additional
coverage in the vehicle policy
Some companies offer add-on packages, or allow the
insured to choose multiple coverages that fit their driving needs. The plans
that can be found are:
Material Damage:
repair or compensation of the car as a result of a road /Car accident.
Total Theft:
covers the theft of the car/vehicle or material damage in case of breakdowns
derived from the theft of the car.
Roadside Assistance: provides support
from mechanical experts in situations such as, flat tire, crane service,
current delivery and many more services.
Medical Expenses to Occupants: indemnifies
or reimburses hospitalization expenses of the insured and their occupants and
even pays for ambulance service and funeral expenses.
Substitute Car:
while the car is repaired or located, the insurance company provides a vehicle
with the same characteristics or same vehicle as the insured so that it can
continue with its activities.
Damage coverage to uninsured third parties is very
helpful because the insurance will respond for the damage caused by a car that
has escaped.
It is important to highlight that each insurance company
has different coverage, amounts, benefits and guarantees. But the
aforementioned are the most common or those that offer comprehensive
protection.
Considerations
when purchasing border auto insurance
It is important to take into account the following
aspects when contracting this insurance to circulate in the United States:
Sum insured: is the amount for each
coverage. For example, in Medical Expenses it can reach Upto $ 400,000 pesos or
in Civil Liability more than $ 3,000,000 pesos. Verifying this term will reveal
the level of protection that each company provide to vendors.
Payment methods: the company must show
the liquidity options of the policy such as cash payment, installment payment,
direct debit in each monthly payment. In addition, it must offer different
means to make the disbursement such as credit cards, debit cards, payment in
self-service stores, etc.
Car use: the car can be for private or
commercial use. It is necessary to specify it because if an accident occurs and
the car was used to work (and was notified for cargo use) the company would not
be obliged to cover the damages.
Vehicle age: some insurers will not
admit units over 20 years old, or they will charge a surcharge for this. The
same will happen with age, if the person is over 70, they could pay a little
more for their policy.
Drivers with foreign plates in USA can purchase a policy
in the border area, or online. Some of the sites:
National Unity: has policies for the
northern country and Canada. Includes Medical Expenses for Occupants, Roadside
Assistance and more coverage for foreigners. It also has plans for motorcycles.
USA Insurance: you
can choose insurance coverage for one day and up to one year. Allows you to
extend RC coverage if you have insurance in Mexico that protects in the United
States and Canada. In addition to motorcycle plans, it has coverage for rental
cars.
CruceSeguro: offers compulsory Civil
Liability Insurance and additional assistance such as tourist orientation,
legal services and repatriation of the rest.
There are many more insurance companies both in Mexico
and in the border zone. So there are more options to compare, quote prices,
coverage or benefits that suit the type of car and / or driver.
Online listing platforms are an easy way to find and
comprare multiple insurers on one site. Therefore, it is worth taking some time
and carefully choosing insurance to travel to the United States, because in
addition to being mandatory, it is the best way to take care of the heritage
and the family.
