Collision Coverage
Collision coverage is an important part of your auto insurance, especially if you are on the road and traveling in Mexico. This type of coverage pays for damage that occurs to your vehicle, not someone else’s.
Won’t the Other Driver Pay if He Is at Fault?
You may assume that if you have a wreck that is someone else’s fault, their insurance will pay for damage to your vehicle. Sadly, that is often not the case. They may be underinsured or uninsured, and if this is the situation, you won’t see any money from them.
Purchasing collision insurance from MexicoInsurance.com ensures that damage to your vehicle while you are driving in Mexico will be paid for, whether the accident is your fault or not. You may believe that an accident is the fault of the other driver, but if he disagrees, it can turn into a drawn-out legal mess. If you have collision coverage, your insurance company will take care of your repairs in the US or Mexico and even take over the claim you have against the other driver for you. (Your policy deductibles may apply)
If the person with whom you have a traffic accident is at fault but does not have insurance, it is pointless to sue them, since there is no money there to pay for your damages. Your collision insurance will pay for your damages without delay.
Damage That Is Your Fault
No one is perfect. Maybe you backed your car into a telephone pole or tree. There surely is not anyone to sue for damages, since the accident is your fault. Collision coverage will pay for your damage. (Less your deductible).
The collision coverage amount in your MexicoInsurance.com policy will depend on your car model and the value. If you have an expensive car that is a model frequently stolen, you may pay more. The amount you will get for damages depends on how extensive the damage is and whether new parts or refurbished parts will be used in your repair.
Claims Adjustment
You are not obligated to accept the first settlement offer from your claims adjuster. You may counter with a fair amount. MexicoInsurance.com takes pride in giving you accurate value in the US and Mexico, and your agent is your ally.
