Puerto Penasco Mexican Auto Insurance
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.