Playa del Carmen, Mexico's virtual guidebook written by locals
 

Go Back   www.Playa.info > General discussion > General - Playa del Carmen
FAQ Calendar Search Today's Posts Mark Forums Read

Reply
 
LinkBack Thread Tools
Old 04-24-2017   #1 (permalink)
beachaholic
 
rizan22's Avatar
 
Join Date: May 2005
Location: Scottsdale, AZ
Posts: 365
Rental car coverage

Hi again. 1st time to rent a car in Mexico, renting through Caribbean Rent a Car, same as Cancun rent a car from what I can tell. So my question is, the coverage that comes standard with the cost, is it sufficient or shall we spring for additional coverage? This is what is included;

Insurances included on this rent
Loss Damage Waiver 0 % Deductible (LDW)
Collision Damage Waiver (CDW)
Third Party Damages (PLI)
Partial Protection for Theft (TP)
Civil responsibility complement (SLI)
Personal Coverage of Medical Expenses (PAI)

Maybe I shouldn't be so paranoid about renting/driving in Mexico but, I kinda am and want to be sure we have what we need but, also don't want to go overboard and waste money on unnecessary coverage. I'd rather do that on margaritas
Your input appreciated.
rizan22 is offline   Reply With Quote
Old 04-25-2017   #2 (permalink)
añejo
 
canadiense loco's Avatar
 
Join Date: Oct 2009
Location: Red Deer,Alberta,Canada
Posts: 2,105
They are a full coverage rental company and I think that is all the coverage they offer with exception of tire and glass is it not ?
I only rented for 4 days last trip and was sharing the cost with friends so I took the glass and tire for the little extra it cost as I was unfamiliar with the roads and area I was driving to.
Some people only rent cars with the mandatory liablity insurance and pass on the collision coverage (not an option with this company), or rely on credit card coverage. I have heard stories of that being a big hassle if you need to use it.
I believe in being fully covered on the spot with the rental company. Insurance seems like a bad investment.....until you need it.

My other advice it to make certain every scrape, ding, rock chip or any other damage is noted on your rental agreement when you do the vehicle walk around. 50 pesos seems to help the guy doing the walk around be much more helpful in spotting and marking things down
At the gas station be sure the pump is reset to zero before they start filling, and make it clear to both you and the attendant what bill you are handing over when you pay.
Other than that, just drive the speed limit, give yourself lots of room, watch for potholes and topes (the big speed bumps), and enjoy.

Last edited by canadiense loco; 04-25-2017 at 09:47 AM..
canadiense loco is offline   Reply With Quote
Old 04-25-2017   #3 (permalink)
way into it
 
AZGonzo's Avatar
 
Join Date: Feb 2017
Posts: 219
There is a mandatory insurance that is required for all rentals in Mexico. FYI..American Express has full coverage that is available for $30 per rental period (not per day). You have to do a one time sign up for it and yes, it's good in Mexico.
AZGonzo is offline   Reply With Quote
Old 04-25-2017   #4 (permalink)
añejo
 
canadiense loco's Avatar
 
Join Date: Oct 2009
Location: Red Deer,Alberta,Canada
Posts: 2,105
Correct. That is the liabilty insurance I mentioned.
My credit card company provides the additional comprehensive insurance simply by using the card for the rental, I just choose to be fully covered by the rental company. I would never rent any other way......to each there own.

Last edited by canadiense loco; 04-25-2017 at 10:22 AM..
canadiense loco is offline   Reply With Quote
Old 04-25-2017   #5 (permalink)
añejo
 
WaterRat's Avatar
 
Join Date: Jan 2010
Location: Vancouver, Washington
Posts: 2,250
Quote:
Originally Posted by AZGonzo View Post
There is a mandatory insurance that is required for all rentals in Mexico. FYI..American Express has full coverage that is available for $30 per rental period (not per day). You have to do a one time sign up for it and yes, it's good in Mexico.
Check the amount of that coverage.
I have, and feel it is woefully inadequate.

Will AMEX wire money to pay for damages immediately, as will probably be required? Will you have to pay, and then be reimbursed by AMEX later?


Do you know what happens from the time of an accident until damages are paid? (Hint: We're not in Kansas anymore - or AZ).
WaterRat is offline   Reply With Quote
Old 04-25-2017   #6 (permalink)
life=playa
 
Sogno's Avatar
 
Join Date: Mar 2006
Location: USA
Posts: 936
Quote:
Originally Posted by WaterRat View Post
Check the amount of that coverage.
I have, and feel it is woefully inadequate.

Will AMEX wire money to pay for damages immediately, as will probably be required? Will you have to pay, and then be reimbursed by AMEX later?


Do you know what happens from the time of an accident until damages are paid? (Hint: We're not in Kansas anymore - or AZ).
Yes. You will be held by the Mexican authorities, and you are the foreigner. But no worries, I'm sure your credit card company will drop everything and respond within minutes, probably having cash to the policia before you even enter their cell.

Uh huh.
Sogno is offline   Reply With Quote
Old 04-26-2017   #7 (permalink)
beachaholic
 
rizan22's Avatar
 
Join Date: May 2005
Location: Scottsdale, AZ
Posts: 365
According to Caribbean Rent a Car there are only two additional options for purchase; tire and glass @ $5 per day and roadside assistance @$3 per day. Definitely taking the tire and glass coverage. Debating the roadside assistance. Thanks for all the input - much appreciated!
rizan22 is offline   Reply With Quote
Old 04-27-2017   #8 (permalink)
beachaholic
 
crmoores's Avatar
 
Join Date: Jul 2015
Location: Finger Lakes & Playa!
Posts: 374
Quote:
Originally Posted by rizan22 View Post
According to Caribbean Rent a Car there are only two additional options for purchase; tire and glass @ $5 per day and roadside assistance @$3 per day. Definitely taking the tire and glass coverage. Debating the roadside assistance. Thanks for all the input - much appreciated!
We haven’t used this agency, we’ve had great experiences with ISIS, America, Avant, and Gocarrito though. Most of the reputable agencies offer optional coverages for tire, glass, and roadside assistance. But be aware that with the tire/glass coverage, if you have a flat you will need to change the tire yourself if you do not have the roadside assistance coverage. Also, for the agencies we've used the insurance coverage does not apply for any claims involving driving on unpaved roads or when drinking alcohol, check your policy to be sure.

The debate on whether to use the rental agency's CDW or your credit card’s coverage is ongoing, and it's typically a cost analysis for most folks. I agree wholeheartedly with Canadiense Loco. In the event of an accident or another issue I want to be able to produce a policy showing coverage from the rental agency. If you do decide to use the credit card coverage you must waive the coverage from the rental agency, pay a higher deposit, and I think it makes sense to increase the coverage from the cc policy.
crmoores is offline   Reply With Quote
Old 04-27-2017   #9 (permalink)
añejo
 
absoluteAL's Avatar
 
Join Date: Nov 2004
Location: Latitude 20.6326 Longitude 87.0685
Posts: 14,536
Read the smallest print on some MX rental car policies. No matter how much coverage you buy, you still might have to pay the first $3000 USD if you are in an accident and your rental car is damaged. Let the buyer beware.....or have a lawyer read the contract
absoluteAL is offline   Reply With Quote
Old 04-27-2017   #10 (permalink)
toe in water
 
Join Date: Mar 2017
Location: Playa
Posts: 47
I got a little scammed by a rental company. They wouldn't rent unless I got full coverage. When I got back the first placed the looked was under the front bumper. There was damage that I did not do. So they used me for an insurance claim. I emailed the insurance company all the details. Hopefully it helped.
Hockey13 is offline   Reply With Quote
Old 04-27-2017   #11 (permalink)
beachaholic
 
crmoores's Avatar
 
Join Date: Jul 2015
Location: Finger Lakes & Playa!
Posts: 374
Quote:
Originally Posted by absoluteAL View Post
Read the smallest print on some MX rental car policies. No matter how much coverage you buy, you still might have to pay the first $3000 USD if you are in an accident and your rental car is damaged. Let the buyer beware.....or have a lawyer read the contract
good point - the devil is in the details
crmoores is offline   Reply With Quote
Old 04-27-2017   #12 (permalink)
beachaholic
 
rizan22's Avatar
 
Join Date: May 2005
Location: Scottsdale, AZ
Posts: 365
For the nominal price have decided to also take the roadside assistance along with the tire and glass coverage. The car will actually be parked longer than it will be driven (Isla Holbox transfer) but, figure a bit of peace of mind is worth it.
rizan22 is offline   Reply With Quote
Old 05-02-2017   #13 (permalink)
beachaholic
 
Join Date: Jul 2008
Location: Ohio
Posts: 302
Quote:
Originally Posted by AZGonzo View Post
There is a mandatory insurance that is required for all rentals in Mexico. FYI..American Express has full coverage that is available for $30 per rental period (not per day). You have to do a one time sign up for it and yes, it's good in Mexico.
That's true but the rental agency will argue with you about it. I brought a letter from American Express stating the coverage was good in Mexico and still had a heated 15 minute discussion with the Agent, who didn't want to accept the insurance.
mwhite981 is offline   Reply With Quote
Old 05-02-2017   #14 (permalink)
beachaholic
 
crmoores's Avatar
 
Join Date: Jul 2015
Location: Finger Lakes & Playa!
Posts: 374
Quote:
Originally Posted by rizan22 View Post
For the nominal price have decided to also take the roadside assistance along with the tire and glass coverage. The car will actually be parked longer than it will be driven (Isla Holbox transfer) but, figure a bit of peace of mind is worth it.
Good idea...
A guy working on our house alerted me that I had a rear tire going down right after I had parked the car, we could see a screw head and feel the air escaping. I had opted for the tire insurance (first time for some reason). As I proceeded to change the tire I noticed the front tire was a little soft. No one had an air pump or I would have changed one tire, pumped the other, and driven to America's office. I called them and they immediately sent a replacement car, much nicer than any I've ever rented from them. Before the car arrived the rep called and said because I didn't have the roadside assistance there would be a $30 charge. Initially I wasn't happy, but after thinking about it I didn't have many options as we needed to leave soon. Two guys delivered it, changed 1 tire and returned it to their office.
I have to commend the staff at America for reacting quickly and courteously, and I may opt for the roadside assist option in the future. Would hate to be stuck somewhere else with no other option.
crmoores is offline   Reply With Quote
Old 05-02-2017   #15 (permalink)
¡No mames güey!
 
roni's Avatar
 
Join Date: Feb 2003
Location: Mérida, Yucatán
Posts: 75,227
Quote:
Originally Posted by rizan22 View Post
For the nominal price have decided to also take the roadside assistance along with the tire and glass coverage. The car will actually be parked longer than it will be driven (Isla Holbox transfer) but, figure a bit of peace of mind is worth it.
We always park at Cinco Hermanos, the last one on the left before arriving at the dock, I believe. There is a round-a-bout if you go to far and need to turn around.
roni is offline   Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


All times are GMT -5. The time now is 12:08 AM.


Powered by: vBulletin
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.