What to Do If You Have a Car Accident in Mexico

No one plans on getting into an accident while traveling, but it can happen. For U.S. drivers in Mexico, knowing what to do after a crash is essential—especially since the laws and procedures are different than in the United States.

Here’s a step-by-step guide to handling a car accident in Mexico and how your Mexican car insurance helps.

• Move to a safe location if possible, but don’t leave the scene.

• Turn on hazard lights and set out warning triangles if available.

• Check for injuries and call for medical help if needed.

• Dial 911 for emergencies and police assistance.

• Contact your Mexican insurance company immediately—most provide a 24/7 claims line.

• An insurance adjuster will be dispatched to the accident scene.

• In Mexico, insurance adjusters come directly to the accident site.

• They help file the report, assess damages, and communicate with authorities.

• Never agree to pay cash at the scene—always wait for the official adjuster.

Keep these documents ready:

• Passport and driver’s license.

• Vehicle registration.

• Mexican car insurance policy (printed or digital).

• Tourist permit (FMM) and TIP if required.

• In Mexico, accidents are treated as legal matters, not just civil issues.

• Without insurance, you may be held personally responsible and detained until damages are paid.

• With proper coverage, your insurer provides legal representation and support.

• Liability coverage ensures third-party damages are paid.

• Full coverage pays for your own car repairs, theft, and medical expenses.

• Roadside assistance can arrange towing if your car is undriveable.

Accidents in Mexico can be stressful, but the right preparation makes all the difference. Always carry your documents, know your insurer’s emergency number, and never drive without valid Mexican car insurance.

With proper coverage, you’ll have the support you need to handle any situation on the road.