Auto Insurance Claim Form Mexico (Reclamación de Seguro de Auto)

An Auto Insurance Claim Form Mexico (Reclamación de Seguro de Automóvil) is a formal written declaration submitted by the policyholder (asegurado) or beneficiary (beneficiario) to their auto insurance company (aseguradora de automóviles) reporting the occurrence of a covered event (siniestro) — including vehicle collision (colisión), total loss (pérdida total), theft (robo total or robo parcial), natural disaster damage, fire (incendio), and third-party civil liability claims (responsabilidad civil a terceros) — and requesting payment of the corresponding indemnification (indemnización) under the terms of the auto insurance policy (póliza de seguro de automóvil).

In Mexico, the contract of insurance (contrato de seguro) is governed by the Ley sobre el Contrato de Seguro (LCS, published in the Diario Oficial de la Federación on 31 August 1935, with subsequent amendments), which remains the primary statute regulating insurance contracts despite its age. The LCS Articles 86 through 93 establish the general obligations of the insured upon the occurrence of a covered event (siniestro) — including the duty to give prompt notice (aviso inmediato) to the insurer under Article 86, the duty to prevent aggravation of the loss (deber de salvamento) under Article 90, and the insurer's obligation to pay the indemnification within 30 calendar days of receiving all documentation required to process the claim under Article 71 LCS.

The institutional regulatory framework for insurance companies in Mexico is established by the Ley de Instituciones de Seguros y de Fianzas (LISF, DOF 4 April 2013), which replaced the former Ley General de Instituciones y Sociedades Mutualistas de Seguros and is administered by the Comisión Nacional de Seguros y Fianzas (CNSF). The CNSF supervises all insurance companies (instituciones de seguros) operating in Mexico, approves policy terms and premium rates, and enforces the LISF's consumer protection provisions. For insurance consumer disputes, CONDUSEF has specific jurisdiction over insurance-related complaints under the LPDUSEF.

Mexican auto insurance policies (pólizas de seguro de automóvil) typically cover several distinct risks: daños materiales (material damage) — coverage for physical damage to the insured vehicle; robo total (total theft) — coverage when the vehicle is stolen and not recovered within 30 days; robo parcial (partial theft) — coverage for stolen vehicle parts; responsabilidad civil (civil liability) — mandatory minimum coverage for damage caused to third parties under Article 70 LCS and the Ley de Caminos, Puentes y Autotransporte Federal; asistencia legal (legal assistance) — coverage for legal representation in traffic incidents; gastos médicos a ocupantes (medical expenses for occupants) — coverage for injuries to vehicle occupants; and asistencia en viaje (roadside assistance). The specific coverage, limits, deductibles (deducibles), and co-insurance amounts (coaseguros) vary between the major Mexican auto insurers — Qualitas Compañía de Seguros, GNP Seguros, AXA México, HDI Seguros, Chubb México, Mapfre México, and others operating under CNSF supervision.

The mandatory minimum civil liability insurance (Seguro de Responsabilidad Civil por Daños a Terceros) for private vehicles in Mexico is governed by the Reglamento de Tránsito Federal and varies by state — Mexico City (CDMX) imposes a mandatory minimum civil liability coverage of 100,000 UMA (approximately $1,098,000 MXN in 2025) for private vehicles under the Ley de Movilidad del Distrito Federal.

An Auto Insurance Claim Form Mexico is needed whenever the policyholder or beneficiary of a Mexican auto insurance policy experiences a covered event (siniestro) that triggers the insurer's payment obligation under the policy terms and the Ley sobre el Contrato de Seguro (LCS).

The claim form is required immediately following any vehicle collision (accidente de transito) — whether a minor fender-bender (choque leve), a multi-vehicle accident (accidente multiple), or a single-vehicle incident involving road infrastructure, animals, or natural obstacles. Under LCS Article 86, the insured must notify the insurer of the siniestro as soon as possible — delayed notification may give the insurer grounds to reduce the indemnification or deny the claim if the delay prejudiced the insurer's ability to investigate.

The form is needed when a vehicle suffers total or partial theft — robo total is typically reportable to the Fiscalia del Estado within 24 hours of discovery, and the police report (denuncia ante el Ministerio Publico) is a required document for the theft claim with the insurer; the insurance claim should be filed simultaneously with or immediately after the criminal complaint before the Ministerio Publico.

The claim form is required when a third party suffers property damage or personal injury in an accident involving the insured vehicle — responsabilidad civil claims require prompt reporting to the insurer under Article 86 LCS, as the insurer has the right to manage the third-party claim defence and may lose that right if the insured settles or admits liability without the insurer's prior written consent.

The form is needed when the insured vehicle is damaged by natural disasters — floods, hailstorms, earthquakes, or falling objects — where the applicable policy coverage (cobertura de eventos naturales) is triggered. Documentation of the natural event through official sources, such as reports from the Centro Nacional de Prevencion de Desastres (CENAPRED), strengthens the claim.

Under LCS art. 86 and the policy's notification clause, the claim must be filed within the policy's notification period — which may be as short as 24 to 72 hours for some Mexican insurers regulated by the Comision Nacional de Seguros y Fianzas (CNSF). The underlying legal action to enforce a denied claim must be filed within the 2-year prescription period under LCS art. 81 from the date of the siniestro — delay risks invalidating the insurance coverage entirely.

A valid Auto Insurance Claim Form Mexico under the Ley sobre el Contrato de Seguro Articles 86 through 93 must contain the following essential elements to be accepted and processed by the insurer within the 30-day payment period established by LCS Article 71.

Policyholder and Policy Information: Full legal name, RFC, address, telephone number, and email of the asegurado (policyholder); the insurance policy number (numero de poliza); the insurer's name (nombre de la aseguradora) licensed by the Comision Nacional de Seguros y Fianzas (CNSF); the policy coverage period (vigencia de la poliza); and the coverage types applicable to the claim (danos materiales, robo, responsabilidad civil, etc.).

Insured Vehicle Details: Vehicle make (marca), model (modelo), year (ano), colour (color), licence plate (numero de placas), vehicle identification number (numero de serie — VIN), and engine number (numero de motor). This information must match the vehicle endorsed on the insurance policy.

Description of the Insured Event: A detailed, accurate chronological narrative of the siniestro — the date (fecha), time (hora), and exact location (lugar exacto — address, intersection, or highway kilometre marker) of the incident; the weather and road conditions; the direction of travel of all vehicles involved; the sequence of events leading to the collision or loss; and the names and contact information of any witnesses (testigos) at the scene.

Third-Party Information (for liability claims): Full name, RFC or CURP, address, telephone, vehicle information (make, model, plates), and insurance policy details of all other parties involved in the collision — this is required for processing the responsabilidad civil coverage component and for any subsequent subrogation (subrogacion) by the insurer under LCS Article 111.

Damages Suffered: Description of the damage to the insured vehicle — specifying which parts are damaged, the extent of damage, and whether the vehicle is driveable (con movilidad) or immobilised (sin movilidad). For total theft claims, the circumstances and location of discovery of the theft, and the date and folio of the denuncia ante el Ministerio Publico.

Required Documentation: The insurer will typically require: the policy certificate (certificado de poliza); the vehicle registration (tarjeta de circulacion); the driver's license (licencia de conducir vigente) of the driver at the time of the incident; the police report (informe policial) or traffic incident report (parte de transito) if police attended; and photographs of the damage and accident scene taken immediately after the incident.

Insurer's Payment Obligation: Under LCS Article 71, once the insurer has received the complete claim documentation (expediente completo de reclamacion), it must pay the approved indemnification within 30 calendar days. If the insurer fails to pay within this period, the policyholder is entitled to interest (intereses moratorios) on the unpaid amount at the CNSF-published legal rate, and may file a complaint before the Comision Nacional para la Proteccion y Defensa de los Usuarios de Servicios Financieros (CONDUSEF) under the Ley de Proteccion y Defensa al Usuario de Servicios Financieros (LPDUSEF). The Buro de Entidades Financieras at buro.gob.mx publishes each insurer's complaint rate and CONDUSEF conciliation outcomes.

Civil Liability Documentation: For responsabilidad civil claims, the insurer will require evidence of the third party's identity, the damage suffered, and repair estimates (cotizaciones de reparacion) from certified repair shops. For personal injury claims, the medical report (informe medico) documenting the injuries and treatment costs must be submitted. The insurer manages the civil liability defence on behalf of the policyholder under LCS Article 87.

Forms-legal.com provides this Auto Insurance Claim Form Mexico template as a practical guide. For claims involving serious injuries, total loss disputes, insurer denial of coverage, or amounts requiring arbitration, consulting a Licenciado en Derecho specialised in derecho de seguros or filing a CONDUSEF complaint with the Comision Nacional para la Proteccion y Defensa de los Usuarios de Servicios Financieros are the recommended next steps.