do i need to take liability insurrance when entering mexico? urgent!?leaving tomorrow
 

any advice? hear lots of different stuff.

Do you have to? In a dozen or so trips to Mexico on a bike, no one has ever asked my to prove I was insured. That includes a couple of policia stops, I regret to say. The army, which mans the highway checkpoints, has never asked for proof of insurance. Of course, if you have an accident it will be much more hassle and expense. Your choice. I buy the insurance.

Buy Insurance!
 

Hi Lunapix, it is true you might not be asked to prove you have insurance unless you have an accident.

But, I have lived in Mexico for 3 years and as recently as a couple years ago rode through Mexico. Sit down, my boy, and let me explain the facts of life.

If you are involved in an accident with substantial property damage or any injury that requires hospitalization, here are some facts to consider.

The Mexican police, on the streets, are not trained or allowed to determine fault. They generally arrest everyone involved in a serious accident, who does not have insurance. This is done to prevent anyone escaping responsibility for the accident. If you have insurance, the police will verify that insurance with the insurance company, and unless the accident involves, significant property damage, a death or possibility of death, you probably will not be detained.

If you are arrested, for not having insurance, or because the accident is very serious, you might be in a Mexican jail for weeks, even months, waiting for your turn to go before a judge, who is qualified to determine fault in the accident.

Without insurance, you stay in jail until the judge sorts out who was at fault.

If you have insurance, your insurance agent may be able to have you released from jail, while you wait your turn before the judge. I have known of foreign tourists being held for 6 months before their involvement in an accident could be sorted out by a judge.

Please consider these facts, before deciding to buy or not to buy insurance before entering Mexico.

Ride Free, Eat, Drink and Be Careful and buy insurance damit.

xfiltrate

Perfect answer from xfiltrate, so lunapix don't panic if you are leaving tomorrow.
You can buy Mexico liability insurance at lots of places ON THE USA SIDE of the border .
.If you are leaving from San Diego head down to Tijuana and along the streets of San Ysidro,USA you will find enough insurance sellers.
If you are going to be in Mexico for more than a month it may be more economical to buy a full year of "driver's license" nominated insurance instead of vehicle mominated insurance.