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Puerto Penasco
Insurance - Rocky Point Insurance |
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Because
Puerto Penasco - often called Rocky Point - is only 60 miles across the
Mexican border from Arizona, it an easy driving detination for US vacationers.
Although some of the requirements for traveling to Puerto Penasco are
less strict than the rules for traveling to other parts of mainland Mexico,
you still absolutely have to get Mexican auto insurance before you cross
the border. The Mexican insurance requirements and laws are the same throughout
the entire country of Mexico. If you are uncertain of why
you need Mexico insurance, please read this page.
Even if you only plan to stay in Puerto Penasco for less than a day, you
still need to purchase a Mexican insurance policy for one day of coverage.
Common Misconceptions About Mexican Insurance for
Puerto Penasco:
My US insurance company covers me in Mexico, so I don't need Mexican
insurance.
—This may be partially true. Some US insurance companies do provide
some level of physical damage and theft coverage while in Mexico (check
with your US carrier for details), but this is usually only for 10-25
miles into Mexico. Rocky Point is 60 miles across the border, so once
you travel further than the mileage limit, you have no coverage. Also,
you still absolutely need to get Mexican liability coverage. No US company
can provide Mexican LIABILITY COVERAGE for damages you cause to third
parties. Mexican law requires that the liability coverage be provided
by a Mexican insurance company. The Mexican liability insurance acts as
your 'stay out of jail pass.'
I plan on driving to an RV park and staying for a week, so I will
only buy Mexican insurance for one day while am driving to the RV park,
and one day for when I driving back. I don't need insurance while I am
parked at the RV park.
— This concept is often called Day-In and Day-Out policies. Although
this technique can save customers money on premium, it is also a very
dangerous proposition. There have been many cases of RV park fires and
other disasters that have completely destroyed motorhomes and other vehicles
while they are parked in RV parks. The chances of this happening are small,
but when it happens, customers potentially can lose everything and have
no insurance coverage. For this reason, Adventure Mexican Insurance does
not offer Day-In or Day-Out policies. Our job is to advise you how to
protect yourself, not how to roll the dice.
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