What it does
The coverage forms' territory is generally the United States, its territories and possessions, Puerto Rico and Canada. CA 01 21 extends the coverage territory to include Mexico, but only for accidents or losses within 25 miles of the U.S. border and only for trips into Mexico of 10 days or less. The insurance it provides is excess over any other collectible insurance.
Warnings in the form
The endorsement carries a printed warning that auto accidents in Mexico are subject only to Mexican law, that Mexico treats an auto accident as a criminal as well as a civil matter, and that Mexican authorities may not recognize the coverage. It advises buying coverage from a licensed Mexican insurer before driving into Mexico.
Who needs it
Border-area businesses, sales representatives and service technicians who make brief trips into Mexico.
Quoting notes
- Always pair it with a Mexican auto policy; this endorsement is not a substitute.
- Longer trips or operations deeper into Mexico, and cross-border trucking, need specialty Mexican coverage and, for carriers, the appropriate federal filings.
