By Isabel Contreras | NerdWallet

Spring break is just around the corner, and many Americans will soon flock to Mexico’s white sand beaches and bustling cities to enjoy their time off. But those opting for a road trip will need to sort out their car insurance coverage first. Mexico legally requires all drivers, including American tourists, to have liability insurance, and failing to purchase enough insurance could land drivers in jail should they cause an accident.

Standard U.S. auto insurance policies won’t cover drivers south of the border, so it’s vital to purchase Mexican car insurance before making the trip.

Liability car insurance is crucial when driving in Mexico

Many large U.S. insurance companies partner with Mexican insurers to offer Mexican car insurance to their customers. Plans are flexible, starting at a single day of coverage and going for as long as a year. Another option is to purchase insurance from a U.S. broker that specializes in Mexican car insurance.

Mexico requires drivers to hold 100,000 Mexican pesos (around $5,800) for bodily injury and death liability coverage and 50,000 Mexican pesos (around $2,900) for property liability damage. If you’re caught driving in Mexico without this minimum coverage, you may face a fine of at least $200. If you cause an accident while driving uninsured in Mexico and cannot pay for the damages you caused, you could face jail time. That’s because in Mexico, all car accidents are considered criminal offenses, not just civil matters.

“If you don’t have insurance and you cause an accident, you can be held by the authorities,” says Geoff Hill, vice president of business development at Baja Bound, a California-based agency that specializes in Mexican auto insurance. “If you’re at fault, they will hold you until you can come up with the money to pay for the damage you [caused]. If you had insurance, you wouldn’t be on the hook for that.”

Oscar Arrieta, an Allstate insurance agent in El Paso, Texas, stresses the importance of having strong liability coverage above all other protection while driving in Mexico. The country’s liability insurance requirements are likely not enough to protect you and your finances if you cause an accident. “To me, protecting your vehicle is secondary,” he says. “It’s [about] the damage you create.”

Arrieta recommends a policy that has at least a $300,000 combined single limit, which is one larger liability limit to cover both bodily injury and property damage. Baja Bound only sells policies that start at that $300,000 limit and go up to $500,000 in liability coverage.

Other types of car insurance coverage worth having in Mexico

Because there’s a possibility that a car accident could land you in jail, many Mexican insurance policies include legal assistance coverage. This benefit can help you find and pay for an attorney and post bail, up to your policy’s limit.

Mexican insurers also typically offer hands-on support at the scene of an accident. If you’re in a car accident, an adjuster from your insurance company will arrive at the accident to examine the scene and determine how to proceed with other drivers’ insurers. That’s a big difference from how things work in the U.S., where adjusters won’t get involved until later.

Related Articles

Column: Think small when packing your self-care products

8 of the best ways to use points and miles for travel

Travel: 3 bachelorette party destinations for nature lovers

Is it safe to travel to Egypt? The data — and travelers — say yes

Napa Valley weekend: Wineries, eateries and shopping abound in Yountville

To drive with peace of mind, it might be wise to consider strengthening your Mexican car insurance policy by purchasing medical payments coverage, which pays for the cost of treating your and your passengers’ injuries after an accident.

Even though it’s legally required, only a small portion of drivers in Mexico have car insurance, according to Mexico’s National Commission for the Protection and Defense of Users of Financial Services. And those who do might only satisfy the $2,900 property damage liability coverage requirement.

That is why you should also consider buying physical damage coverage and theft coverage which, combined, offer similar coverage to collision and comprehensive insurance in Mexico. These cover the cost of repairing or replacing your own car after it’s stolen or damaged in various situations, up to its current market value. Some U.S. insurance companies offer limited insurance coverage in Mexico, as long as you’re within a certain distance of the border, so check with your insurer to see if damage to your vehicle is covered in Mexico.

But no matter what, if you’re driving in Mexico, it is crucial to purchase liability insurance coverage at the very least — even if your insurer will cover damage to your car while driving in Mexico.

Mexican rental car insurance

If you’re planning to rent a vehicle for your trip, the best move will be to do so once you’re in Mexico. Many U.S. rental companies restrict or prohibit their cars from being driven into Mexico. The coverage options available at Mexican rental counters will all comply with the local minimum requirements, so that will be one less thing to worry about when your only concern should be finding the best taquería in town.

 

The article Driving to Mexico? Make Sure You Have the Right Car Insurance originally appeared on NerdWallet.

By DEVI SHASTRI (AP Health Writer)

Allergy season is here — and it’s earlier and stronger than expected.

More than 80 million Americans deal with itchy eyes, runny nose and other symptoms of seasonal allergies, according to the Asthma and Allergy Foundation of America.

The level of misery people will face depends on where they live and what they’re allergic to, but there are things you can do to feel better.

Pollen counts were high early

Dr. Rachna Shah usually starts looking at pollen counts in the Chicago area in April. But she peeked at her data in mid-February, and saw tree pollen was already at a “moderate” level.

“This season has been so nuts,” said Shah, an allergist and director of the Loyola Medicine Allergy Count. “Granted, it was a pretty mild winter, but I didn’t expect it to be so early.”

Shah said she believes this season will be longer than other years, assuming the weather remains warm. Experts say climate change has led to longer and more intense allergy seasons.

Which cities have it the worst?

The Asthma and Allergy Foundation of America issues an annual ranking of the most challenging cities to live in if you have allergies, based on over-the-counter medicine use, pollen counts and the number of available allergy specialists. This year, the top five were Wichita, Kansas; Virginia Beach, Virginia; Greenville, South Carolina; Dallas; and Oklahoma City.

Dr. Nana Mireku is an allergist in the Dallas-Fort Worth area, and said “people are pretty miserable right now and allergists are pretty busy.”

Which pollens cause allergies?

There are three main types of pollen that cause seasonal allergies. Earlier in the spring, tree pollen is the main culprit. After that grasses pollinate, followed by weeds in the late summer and early fall.

Some of the most common tree pollens that cause allergies include birch, cedar, cottonwood, maple, elm, oak and walnut, according to the Asthma and Allergy Foundation of America. Grasses that cause symptoms include Bermuda, Johnson, rye and Kentucky bluegrass.

Pollen trackers can help you plan your day

The best and first step to controlling allergies is avoiding exposure. That’s easier said than done when everyone wants to enjoy spring weather.

To prevent allergy issues, keep windows closed at home and in the car, avoid going out when pollen counts are highest and change clothes when you get home.

Pollen trackers can help with planning. The American Academy of Allergy Asthma and Immunology tracks levels through a network of counting stations across the U.S. Counts are available at its website and via email.

How to relieve allergy symptoms

The first thing to figure out is what specifically you’re allergic to, Mireku said, and many Americans are allergic to several things at once. Allergists can run tests for different triggers.

Related Articles

New way for states to cover pricey gene therapies will start with sickle cell disease

Concerns grow over quality of care as investor groups buy not-for-profit nursing homes

Knees stiff with arthritis? This company is studying whether fat injections can improve motion

Following measles outbreaks, scientists grow wary of renewed threat

A new $16,000 postpartum depression drug is here. How will insurers handle it?

Over-the-counter nasal sprays can help relieve symptoms, but they take a while to kick in, so it’s best to start them in early March, Shah said.

Antihistamines are another option. Shah said she’s seen some patients benefit from switching to a similar brand if one stops working, but said that there isn’t much broader data to back the recommendation.

For young children and people who have to take many different allergy medications, immunotherapies in the form of shots and oral drops can help desensitize the immune system to allergens, treating symptoms at their root.

The Associated Press Health and Science Department receives support from the Robert Wood Johnson Foundation. The AP is solely responsible for all content.

The next round of snowfall for the Twin Cities is expected to be more than what fell Thursday and into Friday morning.

Central and eastern Minnesota — including the metro area — will be under a winter storm watch from Sunday morning through Monday morning with the National Weather Service saying that travel “could be very difficult to impossible.”

Snow is expected to being falling Saturday night accompanied by windy conditions with gusts up to 35 mph. As much as 3 to 7 inches of snow is possible, according to the National Weather Service.

Another 5 to 9 inches could arrive Sunday evening along with continued gusty winds up to 40 mph.

Rain may follow Monday afternoon, mixed with more snow.

Meteorologists have warned travelers to keep an eye on the forecast if they have travel plans.

Related Articles

Allergy season arrived early in US. Here’s how to keep pollen from ruining your spring

Republican Rep. Marjorie Taylor Greene files motion to oust Speaker Mike Johnson

Trump’s social media company approved to go public, potentially netting former president billions

Sugarbeet companies sued over antitrust violation allegations

Russia and China veto US resolution calling for immediate cease-fire in Gaza