What to Do If You Get in a Car Accident in Puerto Vallarta

William Hutt
Mar 3
3 min read

What to Do If You Get in a Car Accident in Puerto Vallarta

Getting into a car accident in Puerto Vallarta (or anywhere in Mexico) can be a stressful situation, but knowing the right steps to take can make the process smoother. Here’s exactly what you should do:

Step-by-Step Guide: What to Do After a Car Accident in Puerto Vallarta

1. Stay Calm and Check for Injuries

Check yourself and passengers for any injuries.
If anyone is hurt, call 911 immediately and request medical assistance.

2. Do Not Move Your Vehicle (Unless Necessary)

Mexican law requires that vehicles remain in place until authorities arrive.
Moving your car before officials assess the scene could make you liable for damages.
If your car is causing a major obstruction, turn on your hazard lights and wait for instructions.

3. Call Your Insurance Company

Contact your Mexican auto insurance provider (your U.S. policy does NOT cover you unless you have special Mexican coverage).
Your insurer will send an adjuster to the scene, which is required before any claims can be processed.
Do NOT agree to any private settlements before speaking to your insurance adjuster.

4. Call the Police (If Required)

If there are injuries, major damages, or disputes, you must call the police (911).
In Mexico, Transito (Traffic Police) or Municipal Police handle accidents.
If both parties agree to handle things through insurance, the police may not be necessary.

5. Avoid Admitting Fault on the Scene

In Mexico, fault is determined by insurance adjusters and authorities, not by drivers admitting responsibility.
Even if you believe you are at fault, let your insurance company handle it.

6. Exchange Information

Get the other driver’s:
- Full name
- Phone number
- License plate number
- Insurance provider and policy number
- Car make, model, and color
If there are witnesses, get their contact info in case their statement is needed.

7. Get a Police Report (If Required)

In serious accidents, a police report (informe policial) is required to process an insurance claim.
You might need to go to the police station to give a statement if there are legal concerns.

8. Be Prepared for Possible Legal Detention

In accidents involving injuries or major damages, Mexican law allows authorities to detain those involved until fault is determined.
Your insurance provider and lawyer (if needed) can assist in getting you released quickly.
If you are detained, remain calm, be respectful, and wait for legal assistance.

US INSURANCE DOES NOT COVER YOU IN MEXICO

Final Thoughts

If you drive in Puerto Vallarta, always carry valid Mexican auto insurance, keep your documents handy, and know that procedures are different from the U.S. In minor accidents, the process is relatively straightforward, but in serious cases, authorities and insurance adjusters play a much bigger role than in the U.S.

If you're driving in Puerto Vallarta, securing proper Mexican auto insurance is crucial. Here are some reputable providers to consider:

Novamar Insurance Mexico

Puerto Vallarta, Mexico

A premier Mexican insurance brokerage specializing in auto, health, home, and boat insurance, catering to both locals and expatriates.

novamarinsurance.com.mx

Guardian Insurance MX

Puerto Vallarta, Mexico

Offers comprehensive Mexican insurance services, including auto, health, home, medical, life, boat, and commercial insurance for residents and travelers.

guardianinsurancemx.com

Sanborn's Mexico Insurance

Puerto Vallarta, Mexico

Provides customizable Mexican car insurance policies, ensuring compliance with local laws and offering peace of mind for travelers.

sanborns.com

Baja Bound Insurance

Puerto Vallarta, Mexico

Specializes in Mexican auto insurance with over 30 years in the industry, offering quick online quotes and comprehensive coverage.

bajabound.com

AAA Mexico Auto Insurance

Puerto Vallarta, Mexico

Offers Mexican car insurance covering theft, damage, and medical expenses, ensuring drivers meet legal requirements in Mexico.

ace.aaa.com

When selecting an insurance provider, consider factors such as coverage options, customer reviews, and the provider's experience with expatriates and travelers in Mexico. It's advisable to contact these providers directly to discuss your specific needs and ensure you have the appropriate coverage while driving in Puerto Vallarta.

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