Depending on the insurance carrier and what area of coverage you may or may not have insurance that is valid, it all hinges on the visa whether you are legal or illegal in Mexico.
There are insurance policies that you can purchase that only cover a given amount of miles into Mexico and for a given amount of time, I purchase insurance for the F-150 when going down to Tijuana, Rosarito or Ensenada, this insurance will be for 24, 48 or 72 hours purchased at the US side of the border and is void and null beyond Ensenada in Baja Norte, for going beyond Ensenada I need to get a visa (FMM) and a different insurance policy and a Temporary Import Permit (TIP), after 9/11 the world changed.
Allstate's insurance policy covers if I am correct 50 miles more or less in to Mexico and maximum of 72 hours in one month per month, to travel further South you need a Mexican insurance carrier attached to the US carrier.
Before 9/11 the rules at the border were different, I did not need documents just the insurance, I was asked if I was a US citizen and answered yes, they already had they data in the computer at the US side, after 9/11 they need to know who is entering the US and when, so many try to falsify documents and that is the danger.
For the border area your insurance may or may not require a visa, I know Allstate does not for the few miles in to Mexico, and the ones that I purchase at the border are attached to the US carrier as a supplement, I purchase the whole package not just the liability, for the RV and the toad we have full coverage for both and for the entire year.
navegator
