The Ministry of the Interior (Mingob) He issued new regulations that force vehicles in Guatemala to hire a civil liability insurance, with the aim of covering damage to third parties in case of traffic accidents.
The regulations were published on March 17, 2025 and establish provisions for different types of vehicles: Motorcycles, private cars, passenger and cargo transport.
The minimum insurance coverage must be a certain amount of monthly minimum wages (set in Q347 thousand 782), depending on the vehicle, with specific amounts according to the seriousness of the injury. It also contemplates compensation in cases of temporary disability.
Drivers must carry the Constancy of insurance in printed or digital format.
The provisions establish that compliance supervision will be in charge of the Traffic Department of the National Civil Police (PNC) and of the municipalities.
As for the sanctions, breach of the hiring of insurance entails fines, depending on the vehicle, from Q500 for not having the current insurance and even Q15 thousand If, in addition, the driver is involved in an accident.
In the case of those who already have insurance, the current policies are required to conform to the amounts established in the regulation.
Mandatory insurance in Guatemala: key points of the regulation
1. Obligatory of Insurance and Validity
All owners of motorcycles, private vehicles, urban and cargo transportation They must have civil liability insurance that covers personal damage to third parties. (Articles 1 and 2).
The policy must be kept updated according to the contract with the insurer.
The compensation unit used will be the equivalent of a Minimum monthly salary for non -agricultural activities in the Economic constituency 2 (CE2)which corresponds to Q3,477.82the current minimum wage for activities Non -agricultural In all departments, except the department of Guatemala. (Article 3).
According to the agreement, as of May 1, 2025 The provision of the hiring of insurance as a mandatory requirement to circulate in the country comes into force.
2. Other implications
In case of a serious accident without insurance, the person in charge could face civil, administrative and criminal demandssince the regulation does not exempt from these responsibilities. (Article 4).
3. Minimum coverage that insurance must have
Insurance must guarantee financial compensation in case of traffic accidents (Article 5). The minimum coverage depends on the vehicle.
Minimum insurance coverage by vehicle type
| Vehicle type | Minimum coverage | Insured risks | Conversion in q |
|---|---|---|---|
| Motorcycles | 100 monthly minimum wages |
50 minimum wages due to physical injuries to third parties and occupants |
Q347,782 |
| Private vehicles | 200 monthly minimum wages |
50 minimum wages due to physical injuries to third parties and occupants |
Q695,564 |
| Urban passenger transport with or without remuneration | 400 monthly minimum wages |
50 minimum wages due to physical injuries to third parties and occupants |
Q1,391,128 |
| Load transport | 400 monthly minimum wages |
50 minimum wages due to physical injuries to third parties and occupants |
Q1,391,128 |
* The minimum coverage amounts are calculated taking as reference the minimum monthly salary for non -agricultural activities in the economic constituency 2 (CE2), equivalent to Q3,477.82.
4. Compensation amounts
Compensations are details according to the seriousness of the injuries, from loss of a finger to total disability.
The following table will apply to determine the values to compensate, when physical injuries to third parties and occupants are:
Types of injury and values to compensate
| # | Types of injury | Values to compensate |
|---|---|---|
| 1 | Loss of a foot of the foot, different from the big toe | 2 minimum wages |
| 2 | Loss of a finger, different from the index or thumb | 4 minimum wages |
| 3 | Loss of the big toe | 5 minimum wages |
| 4 | Index finger loss | 9 minimum wages |
| 5 | Full and permanent deafness of an ear | 10 minimum wages |
| 6 | Thumb loss | 12 minimum wages |
| 7 | Loss of view of an eye without expulsion | 14 minimum wages |
| 8 | Loss of an eye with expulsion | 17 minimum wages |
| 9 | Loss of the leg below or the height of the knee | 24 minimum wages |
| 10 | Loss of the leg above the knee | 28 minimum wages |
| 11 | Full and permanent deafness of the two ears | 30 minimum wages |
| 12 | Loss of one hand or a foot or its permanent disability | 40 minimum wages |
| 13 | Total and permanent disability | 50 minimum wages |
| 14 | Full loss of both hands or both feet | 50 minimum wages |
| 15 | Absolute and permanent blindness | 50 minimum wages |
Any injury that causes partial or total loss of organs, senses or members not described above, must be compensated according to the following classification:
Classification of lesions and amounts in minimum wages
| Classification | Description | Amount in minimum wages |
|---|---|---|
| Mild | Injuries that do not significantly affect the functionality of the organ or member. | 1 to 15 minimum wages |
| Moderate | Lesions that generate a partial functional decrease in functionality. | 16 to 34 minimum wages |
| Serious | Lesions that imply an irreversible loss permanent disability of an organ, meaning or main member not specified in the previous sections. | 35 to 50 minimum wages |
5. Insurance proof
The document must be carried in printed or digital format and include essential data such as the insurer, validity, plate number and QR code. It will be mandatory to show it to the authorities when they require it. (Article 8).
6. Application to foreign vehicles
The regulation also requires that vehicles with foreign plates have insurance while driving in Guatemala. (Article 10).
7. SANCTIONS FOR FREPPLEMENT
The regulation establishes specific sanctions for drivers and owners of vehicles that do not have the mandatory insurance. (Articles 11 and 12).
Fines according to the type of vehicle
| # | Vehicle type | Fines for not having in force in force | Fines for not having insurance and being involved in an accident |
|---|---|---|---|
| 1 | Motorcycles | Q500 | Q2 thousand |
| 2 | Private vehicles | Q800 | Q3 thousand 200 |
| 3 | Urban passenger and cargo transportation | Q4 thousand | Q15 thousand |
8. POLICIES ADAPTATION
The owners with insurance who do not meet the established amounts must adjust them to avoid sanctions. This implies managing a policy that covers what is required in the regulation. (Article 13).