Mexican Insurance Claims Procedures
What to do in the event of a claim while in Mexico:
You will receive a Mexican toll-free claims phone number when you purchase your Mexican Auto Insurance policy. The claims phone number works from anywhere in Mexico, and bi-lingual operators are available 24 hours a day / 365 days a year.
NOTE: Cell phones and satellite phones are extremely helpful if you are involved in an accident where a traditional phone is not accessible. If you are using a cell phone or satellite phone, you should test to make sure you can reach the claims phone number when you first enter Mexico. If the cell/satellite phone has a US/Canadian phone number, you may need to dial the Mexico country code 011-52 and then use the non-toll free Mexican Insurance Company phone number to access the claims department.
Read important information on using cell phones in Mexico and using satellite phones in Mexico.
If you are in a vehicle related accident while in Mexico, you should call the toll-free claims phone number immediately to report the accident. The operator will then work with you to send a local claims adjuster to meet with you at your location.
All claims must be reported prior to leaving Mexico!
Read Specific Claims Information for each of our Mexican Carriers:
- HDI Seguros - Policy Details & Claims Information
- ACE Seguros - Policy Details & Claims Information
- Mapfre Tepeyac - Policy Details & Claims Information
- ANA Seguros - Policy Details & Claims Information
Information you should obtain if your are in an accident:
- Name, address, & phone number of each driver, passenger, and witness.
- Insurance company name & policy number for each vehicle involved.
- Do NOT admit fault or assume responsibility for the accident.
- Do NOT discuss the details of the accident with anyone other than a police officer.
- Obtain the number of the police report and the name and badge number of the police officer who investigated the accident.
- Your Mexican Insurance Policy includes Legal Assistance which cover the cost of bail and also provide a legal representative if necessary. - See Insurance Terms & Conditions for full details.
As long as you report the accident prior to leaving Mexico (and meet with a Mexican Claims Adjuster), our Mexican insurance companies allow you to repair your vehicle in the US.
If the vehicle is not drivable due to an accident, the vehicle may be towed across the border to the US to be repaired. (see Terms & Conditions of policy for details)