How Ace Seguros Car Insurance Coverage Works

International travelers are often surprised to learn that their domestic auto insurance won’t travel with them. Some companies offer coverage to drivers who head over the border to Mexico or Canada, but most will not.

If you get in an accident while driving into towns on the other side of the border in Mexico, you could find yourself without insurance to cover the damages. One option for protection is Ace Seguros car insurance.

Temporary Insurance

Ace Insurance is an American company and Ace Seguros is one of their subsidiaries. Established in Mexico in 1999, this branch of the company is designed for American residents and drivers who will be staying in Mexico for a while. Whether you’re heading to the Deep South for a few days or a year, Ace Seguros can provide you with the temporary insurance coverage you need, backed by an American company you trust. Customers can choose daily, bi-annual or annual policies.

Tourists Only

This insurance plan is designed specifically for tourists. Residents of Mexico are not eligible for coverage offered by this company. The insurance is only valid in the Republic of Mexico and can not be used for accidents or damages that occur while on American soil.


Because the company caters specifically top American residents visiting Mexico, they have bilingual customer service agents. This is important because while the customer might primarily speak English, witnesses to an accident, victims, police and other parties will probably only speak Spanish.

Autos and Motorcycles

It doesn’t matter if your transportation has four wheels or only two, you can enjoy the coverage you need when you’re visiting Mexico. So grab the helmet and the keys to take a trip to all the little backwater places you can only visit on bike.


Ace Segura does not limit themselves to auto insurance and motorcycle coverage. They also provide drivers with the option of getting health insurance, legal aid, property damage coverage and even financial services.

Civil Liability

Mexican law requires that drivers have auto insurance, just as they are required to have in the United States. Ace Seguros can provide people with liability limits of $50,000 U.S., $100,000 U.S. and $300,000 U.S. Limits are all combined with no split limits available.

Damage and Theft

Liability insurance covers any other parties in an accident but this coverage is meant for your car. ACE Segura will cover damages from theft, collision, rollovers, and broken windows. They will cover damage caused by accidents, fire, lightning, explosions and natural disasters including cyclones, hurricanes, earthquakes and hail.

If you file a claim, a deductible will apply. Towing expenses are also covered should your car need to be towed for repairs. It should be noted that partial theft and vandalism are only covered under the ACE Platinum Package.

Medical Expenses

The driver of the car and the occupants of that car will enjoy coverage for their medical expenses in the event of an accident. The limits are either $2,000 U.S. for each person with a total of $10,000 U.S. for each accident or $4,000 U.S. per person and $20,000 U.S. per accident.

The Platinum Package offers higher limits. It is important to note that this coverage is not available for motorcycles. Drivers on motorcycles who are injured will not be reimbursed for their medical expenses so separate health insurance is highly recommended.

Actual Cash Value

ACE Seguros uses the Kelly Blue Book and NADA guides to determine the actual cash value of your vehicle in the event of an accident. You should choose coverage levels that are high enough to cover the cash value of your vehicle.

Platinum Assist

This additional policy will provide customers with travel services while they are in Mexico. The services are available 24 hours a day and include legal services. Bail bonds up to $30,000 U.S. can be covered with this policy. It also offers medical assistance and references, tourist information, roadside assistance and a way to transmit urgent messages.

Platinum Policy

The Platinum Package provides customers with higher coverage levels, protection for partial theft or vandalism and fixed deductibles. The liability limits are higher and a fixed hourly repair rate for damages is included. It also features higher medical payment limits for greater protection.

Boats and Watercraft

The Mexican waters are beautiful and welcoming. If you plan on taking your boat into the waters off the Mexican coastline, you can also use ACE to cover it. They provide insurance plans for recreational powerboats, yachts, personal watercraft and sailboats.

Other Features

A solid insurance provider, ACE Seguros has a rating a A+ by A.M. Best. Customers who need repairs done after an accident can choose to have the repairs done in Mexico or in the U.S. The claims can also be handled through either country for your convenience.

The insurance should be purchased in the United States before you actually drive across the border. You can dictate the dates it will be active and add the necessary coverages you think you might need. The insurance will automatically terminate based on the dates of coverage you select.

Your insurance in the United States should be left in force to avoid a lapse in coverage with your local state of residence. However, by contacting the insurer and letting them know the car will be out of the country and insured with ACE Seguros for that time period you might be able to get a temporary discount with your regular company.

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