Mexico Car Insurance for your Rental car
Mexico car insurance is a necessity if your planning on getting a rental car in Mexico.
Your planning your vacation in the Riviera Maya Mexico and I can imagine how many questions you may have. Which hotel or resort to choose? How long to stay? Should I rent a car? Should I pay the extra bucks for car insurance?
Well, the decision is of course up to you, but I would highly recommend that you get car insurance for your rental car in Mexico.
Before you decide, call your current car insurance and find out what they cover. Some will cover a rental car up to 15 miles across the border, but even if this is so, you need to think about how far away your hotel or resort is.
You may be able to increase your current car insurance to actually allow you more coverage for mexico car insurance on a rental. So, look at these two things before you make any decisions, because you definitly
do not want to pay for rental car insurance when you actually have the coverage already.
If you do not have enough rental car insurance coverage through your own policy, then you will want to go ahead and get the rental car insurance in Mexico that is offered through the rental car company.
There are two different types of mexico car insurance coverage available. Full coverage insurance and Collision Damage Waiver insurance. These are different and do not offer the same coverage!
Full coverage will costs you about $50 USD extra per day, but if you get into an accident you will not have to pay anything(except maybe a deductible) and it will save you a ton of hassle and time. If you got a scratch on the car during your rental period, when you return it, it is all covered under the full coverage.
Collision damage waiver insurance is not full coverage insurance. Most rental car companies offer this coverage. If you get into an accident, then they determine how much you pay based on the value of the car. If the car costs $18000, then you would be responsible for paying $1800 out of your own pocket if the car is damaged or stolen.
A rental car company will most likely not offer information to you on the Mexico car insurance they offer. They will simply tell you how much it is to add car insurance for Mexico to your daily rental.
You will need to ask to make sure you know what you are getting and make sure you are ok with this.
There are several rental car companies that do offer Mexico car liability full coverage insurance such as: Hertz, Executive, Cancun Car Rental, America, Explore and Continental.
I would recommend going with a car rental company that can offer you the full coverage, because you do not want to be stuck paying a lot of money if you get into an accident.
It is worth it to pay a little more on the front end, to avoid paying a lot of money in the end (that is just in case you were to get into an accident).
Remember, your in Mexico. Things are done very differently in Mexico than in any other county. The Riviera Maya is a beautiful place and you will enjoy seeing it through the windows of a rental car much more than a taxi.
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