What to do right after a crash in the US
Crashing in a country where you don't fully know the traffic laws, in your second language, stresses out even experienced drivers. The basic steps are similar to Mexico, but a few details are different — and they matter.
1. Stop and check for injuries
Never leave the scene, even for a minor hit. Leaving before police arrive can count as a "hit-and-run" in many states, with serious legal consequences.
2. Call 911
911 connects you to police, fire, and medical services anywhere in the US. Ask for a police unit even if it looks like a minor hit — the official report protects you with your insurer and the other driver's.
3. Document everything
Use your phone for photos and key details before vehicles are moved or witnesses leave.
4. Call your insurer
Do this before signing any repair estimate or form you don't fully understand.
What to document with your phone
- Photos of both vehicles, plates, and the accident scene
- The other driver's license, insurance card, and plates
- Names and badge numbers of the officers who responded
- The report or case number, if given on scene
An adjuster can tell you, in Spanish, what your policy covers and what to say — or not say — to the other party. Call before signing anything.
How your RC USA coverage works
This is where many drivers get it wrong: your Mexican policy stops being valid the moment you cross the border, no matter how broad your coverage is back home. The same applies in reverse — a US policy doesn't cover American-plated cars driving in Mexico.
That's why RC USA policies (liability-only) exist for Mexican drivers heading north.
RC USA covers your legal liability if you cause injuries or damage to others while driving in the US: medical expenses, repairs to the other vehicle, and legal defense if you're sued. It does not cover damage to your own car.
You can buy it for as little as 1 day or for longer periods, and coverage starts as soon as the policy is issued — no waiting period. Get your RC USA quote online in minutes before you head out.
Timi issues these policies by chat, backed by Chubb, usually in minutes — handy if you're crossing last-minute through Laredo or San Diego.
Timeline: what to do and when
| When | Action |
|---|---|
| On scene | Check for injuries, call 911, get a police report, take photos, exchange information |
| Same day | Call your RC USA insurer, report the claim, get a case number |
| 24-72 hours | Send photos and a copy of the police report to your adjuster; avoid giving a recorded statement to the other driver's insurer without guidance |
| Following days | Follow up on repair estimates or medical claims with your insurer; keep every document |
Mistakes that cost you money
- Assuming your Mexican policy applies. It doesn't, and driving without valid US coverage can mean fines, vehicle impound, or paying damages out of pocket.
- Leaving before police arrive. Even if it's not required for minor damage, having a report protects you against later claims.
- Signing something in English you don't understand. Ask for time, a translation, or call your insurer first.
- Not reporting the same day. Late claims are harder to process, and some policies require prompt notice.
- Giving a recorded statement to the other driver's insurer before talking to your own agent or adjuster.
- Not knowing your policy limits. Liability requirements vary by state — check them before you drive, especially at high-traffic crossings like El Paso.
Heading back into Mexico
If you're also bringing a US-plated vehicle south, it needs its own coverage: Mexican liability insurance is required by law, and your US policy won't cover you there either.
- Baja California and parts of Sonora don't require a Temporary Import Permit (TIP) for the vehicle
- Insurance is required no matter where you drive
- Check more border details in Timi's guide library