He Ministry of the Interior (Mingob) has officialized the mandatory hiring of Safe against third parties For all vehicles that circulate in Guatemala.
He March 17, 2025he Mingob published in him Central America Diary four Governmental agreements in which it is established that, in 45 daysthe hiring of a Civil Liability Insurance For various types of vehicles.
The measure will enter into force from the May 1, 2025 and will apply to motorcycles, private vehicles, urban passenger transport and cargo vehicles.
He Mandatory insurance against third parties You must cover injuries or deaths caused to third parties and occupants in a Traffic accident.
As of May 1, the insurance against third parties in Guatemala will be mandatory
According to the authorities, the objective of this measure is guarantee that all owners of the aforementioned vehicles Keep in force a civil liability insurance against third parties and occupants.
This insurance seeks indemnify victims of road accidents, ensuring that those responsible for claims can cover the personal damage caused
As of May 1, 2025, the hiring of the Safe against third parties It will be mandatory requirement for the circulation of vehicles and motorcycles in Guatemala.
What is the mandatory third parties in Guatemala
He Safe against third parties It is a policy that Cover the damage than a insured vehicle may cause to people in case of a Traffic accident.
According to Christian Nölck RodríguezGeneral Manager of Insurance G&Tthis coverage compensates for Third affected by injuries or deathin addition to covering possible damage to infrastructure, vehicles or cargodepending on the type of policy hired.
Mandatory insurance in Guatemala: for injured or deceased
The published regulations March 17, 2025 they establish that the Mandatory insurance against third parties In Guatemala it will apply exclusively for damage to injured or dead people In traffic accidents.
Coverage for material damageas vehicles, posts or constructionsunlike other policies that can be hired additionally.
Nölck Rodríguez explained that these insurance that the Mingob approved allow to guarantee a Victims compensation of traffic accidents. Generally, these policies are known as Civil Liability Insurancesince they are linked to legal obligations of drivers and vehicle owners.
What are the regulations for the hiring of insurance in Guatemala
He Mandatory insurance against third parties In Guatemala it is regulated by Four government agreementsdepending on the type of vehicle:
- Mandatory for motorcycles: Government Agreement 46-2025
- Mandatory for private vehicles: Government Agreement 47-2025
- Compulsory insurance for urban passenger transport: Government Agreement 48-2025
- Mandatory Load Transportation: Government Agreement 49-2025
These regulations establish the Requirements, coverage and sanctions applicable in case of non -compliance.
Less than 10% of the vehicle park has insurance
In Guatemalaless than 10% of the vehicle park currently account for a vehicle insuranceaccording to data from the insurance sector.
He Civil Liability Insurance It is the Most basic coverage Within vehicular policies. However, currently, car insurance allocates 80% of your payments to the coverage of Damage to the insured vehiclewhile only 20% It is destined to Third affected. Of this percentage, just the 7% corresponds to compensation for injuries or deaths.
With the implementation of the Mandatory insurance in Guatemalaa Increase in coverage For people affected in traffic accidents, strengthening the protection of third parties.