A non-endorsed personal auto policy typically does not provide coverage in Mexico. Personal auto policies are generally designed to comply with the regulatory requirements of the United States, which do not extend to driving in Mexico.
Without specific endorsements or additional coverage options that extend protection into Mexico, a standard policy would likely exclude coverage once the vehicle is driven across the border. This means that if an accident occurs or damage happens while driving in Mexico on a non-endorsed policy, the insured would not be protected under their personal auto insurance.
While some options might suggest varying degrees of coverage based on specific circumstances or conditions, the foundational rule is that without a suitable endorsement, there is typically no coverage when traveling in Mexico. This understanding is crucial for anyone planning to drive into Mexico, as it emphasizes the importance of obtaining appropriate insurance before crossing the border.