Vehicle Insurance in Sonora without a FMM (Visa)

The issue is that if you are in Mexico for more than 72 hours, you need a visa, FMM issued by Mexico. If you don't have one, and are in Mexico more than 72 hours, your insurance is void. Whenever we have had to do anything with insurance in Mexico, the carrier wants copies of the FMM and if necessary, the TIP. Same with the US carriers that cover property damage in Mexico.