Claims

Filing insurance claims in Mexico works differently than back home, and knowing what to expect before an accident happens can save you time, stress, and money. My Baja Insurance has been guiding drivers through the Mexican claims process since 1994, and this guide walks you through exactly what to do, who to call, and what to have ready. Whether you’re a full-time expat, a seasonal snowbird, or just driving south for the weekend, the steps are the same, and having them memorized before you need them is what keeps a stressful moment from turning into a costly mistake.

Step-by-Step: Filing a Claim After an Accident

1. Call your insurance company immediately, while you’re still in Mexico. Every policy we issue includes a 24-hour claims hotline.
2. Give the operator your exact location — nearest highway marker, cross street, or landmark.
3. Stay with your vehicle and wait for the adjuster. Don’t move your car unless it’s blocking traffic or you’re in danger.
4. Follow the adjuster’s instructions once they arrive, and don’t pay any money out of pocket at the scene.
5. Keep a copy of every report, photo, and document connected to the claim.
6. Avoid side arrangements with the other driver, and don’t leave the scene until you’ve been cleared to.

For more on the legal side of an accident in Mexico, see our FAQ page.

Claims by Carrier: AXA, Qualitas, and Zurich

We place policies with three of Mexico’s most established insurers, and each handles claims slightly differently.

AXA Claims — Download the AXA claim form on this page, or report directly through AXA’s official accident services page.

Qualitas Claims — Qualitas’s official accident guidance walks through their reporting process step by step.

Zurich Claims — Start a claim with the ZURICH form on this page, or reach their Mexico team through zurich.com.mx.

Not sure which carrier is on your policy? Our agents can look it up and connect you with the right claims line.

What to Have Ready When You Report a Claim

Your policy number, a valid driver’s license, vehicle registration, photos of the vehicles and scene, and a copy of the police report if one was filed.

Common Questions About Filing a Claim in Mexico

Do I need to file a police report? It depends on the situation, but if there are injuries, significant damage, or a dispute with the other driver, a police report strengthens your claim and may be required by your carrier.

What if the other driver doesn’t have insurance? Your policy’s liability and legal assistance coverage still protects you — call your claims hotline first, and the adjuster will walk you through next steps.

How long does a claim take to process? Straightforward claims with clear documentation are often resolved in days; more complex claims involving injuries or disputed liability can take longer while the adjuster and carrier work through the details.

Coverage Questions Behind a Claim

Claims involving injuries or liability follow Mexican financial responsibility law, which works differently than the U.S. system — our FAQ page explains why. Our car insurance page breaks down coverage levels, and our home insurance page covers claims for a home, condo, or rental instead of a vehicle. For independent consumer-protection guidance, CONDUSEF, the Mexican government’s financial consumer agency, is a helpful resource.

Why Drivers Trust My Baja Insurance With Their Claims

Licensed by the Mexican government since 1994, with a 97% client satisfaction rating from our local Rosarito office. Our bilingual team is available to help with the claims and reporting process from start to finish. We handle the paperwork alongside you, translate anything that gets lost between insurers, and stay reachable long after the tow truck has left.

Need Help With a Claim Right Now?

Call +1 (619) 488-3926, or visit our Contact Us page.