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Mexico Plans to Block Insurer VAT Credits, SAT Sees MXN 20–25 Billion a Year

A Senate review of a transitory article would end VAT credits on indemnity repairs, offering conditional relief for past liabilities.

Overview

  • Tax officials say the measure will stop insurers from accrediting VAT that belongs to repair shops, with projected recurring receipts of MXN 20–25 billion annually.
  • The change is embedded in a transitory article of the 2026 Income Law that passed the lower house and is pending Senate approval.
  • The SAT outlined a fiscal stimulus that forgives prior unpaid VAT if companies cease the practice and comply going forward.
  • The insurance industry association said firms will comply, while agents warn auto and major medical premiums could rise roughly 10–20% and coverage could be squeezed.
  • Hacienda’s position holds that VAT on payments made solely to indemnify the insured is not creditable, and the SAT also defended new platform data access as strictly for fiscal verification.