Nothing says summer more than a family road trip in a huge RV. And nothing intrigues Hollywood more than a road trip movie. Combine a road trip, Mexico, an RV and a ridiculous drug-smuggling caper and you get the new movie “We’re the Millers.”
Even if you’re not on a drug-smuggling mission, don’t expect to move across the border with as little trouble as the Millers. For one, you’ll need valid passports for everyone in your RV, children included. For another, you’ll have to buy Mexican liability insurance before you can cross the border, and you probably can’t do it under a fake name.
Crossing the border
Mexico is a common destination for families looking for pristine beaches, blue water, and a lively dose of culture. With the expensive cost of airfare, your family may opt to drive a car or an RV over the border.
As mentioned previously, you must purchase Mexican liability auto insurance. That’s right, you can have the most complete car insurance policy a U.S. company can provide, but when it comes to driving in Mexico, your plan with not cover your liability for damage or for injury to other drivers. Worse yet, traffic accidents can and are treated as criminal offenses. You could be jailed while everything is being sorted out.
It doesn’t matter how long to you plan to visit; you’ll definitely need coverage for the entire length of your stay. To find out more information on purchase coverage for your Mexican vacation, contact the auto insurance company that you have your U.S. auto policy under.
Supplemental auto insurance may not be the only thing you’ll need in Mexico. If you get anything other than homesick, you might not be covered by your health insurance policy either. Check with your medical insurance company and see if your policy covers emergency expenses. If it doesn’t, you may want to consider supplemental health insurance for your visit.
Home Sweet RV
“The Millers,” of course, aren’t the first family to travel in an RV. American families have been making vacation memories in RVs for over 100 years. Road tripping in an RV can actually save you money, especially when it comes to food and lodging.
RVs are also like a home away from home, which can make traveling more comfortable. If an RV is your mode of transportation to family fun, you’ll need to make sure it’s properly insured. First you’ll need to figure out if your RV is classified as a traditional self-contained RV or as a travel trailer.
If you own a self-contained motorhome you’ll need to purchase separate auto liability coverage, however, a travel trailer may be partially covered by your existing auto policy. The best way to ensure that you have the right coverage is to call and talk with a licensed insurance agent.
Whether you are going to Mexico, the Grand Canyon, or just visiting Grandma, making sure you have the right insurance for your trip is crucial. Vacations should be worry-free so you can have tons of fun!
Source: AutoInsurance
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