Great info! Do you know if debit VISA cards cover this as well or if it is just for their credit car

My wife and I have been to Mexico about a dozen times over the last 10 years, and about half of those times we have rented a car. In recent years I have seen information on various travel sites about the need for Mexican insurance when traveling best travel store in Mexico. I thought best travel store that this only applied to driving a personal car into Mexico, and not to rental cars; however, best travel store three weeks ago I came across a new twist:
Upon picking up a Hertz rental car at the Cancun airport (which, by the way, is the cleanest, friendliest, most efficient, of all Mexican car rental agency locations I have seen!) I was asked if I had insurance. I said, Yes, I am covered by my VISA card for damage to the rented automobile. The agent said, Fine, but do you have Mexican insurance?
Before the paperwork was final, there was another cute twist. A round wire cage with multiple colored balls (large marble size) was on the counter. I was asked if I would like to try my luck, that there was no obligation, but that I could win an upgrade for a modest amount.
We ended up with a 4-door Fiat Palio (which I had never heard of before) with stick shift, and we were pleased with the ride, the handling, and the gas mileage for the week. We returned the car unharmed (but they checked out every part of the car, looking for damage) and the hold was released.
I m still not sure what the real story is on the need for Mexican insurance while driving a rented car in Mexico. Neither Hertz nor Bravo (a Mexican best travel store insurance company referred to me by USAA) responded to my emails on this topic.
You were right to decline the Mexican insurance, because, indeed, your Visa card covered best travel store you. You get primary insurance on car rentals outside your country of residence secondary insurance when you rent domestically.
Bottom line, make sure the credit card you use on your Mexican best travel store car rentals has a beefy credit limit. Call your card company best travel store in advance best travel store to warn them that you ll be traveling internationally, so they don t lock it when a big charge comes online. And carry more than one card, so you aren t stuck calling home, begging for a Western Union Moneygram.
I m glad to see this post, because I never get additional best travel store insurance, and always tell them my credit card will cover it which I think is true, but of course you get that nagging feeling that maybe you re misunderstanding the terms when the guy at the desk says you really need extra insurance. From Hertz, though, I ve only gotten light push-back, with the desk guy saying I really need extra insurance, a couple of times. I ignore it, but always wonder.
This last trip, I initially booked through a different rental agency not Hertz. I noticed best travel store that its online booking page said liability insurance was absolutely _required_ at Mexican offices. I checked with Budget and a couple of other international best travel store agencies, and they all said the same thing.
Do you have a rundown of which credit cards actually do best at covering you in rental cars? Like Zora, I always think I m misunderstanding something about coverage. Thankfully, I ve never had to deal with that in an accident yet (knock best travel store on wood), but I d like to understand it better.
Great info! Do you know if debit VISA cards cover this as well or if it is just for their credit cards? I (gasp) don t have any credit cards and usually get by with only my debit cards. I m planning an international vacation soon and it would be helpful to not have to buy the insurance perhaps i ll get a Visa for just this reason.
I just called my insurance company (USAA) about this Mexican insurance issue and they told me that if you get into an accident that it is a FELONY if you do not have Mexican insurance. I have also read in many travel books that you do not want to get involved with Mexican police. I d rather be safe than really best travel store sorry. Or perhaps just rely on taxis!
Yeah, what we re talking about here are two different kinds of insurance: Numero Uno: insurance on the car that pays to fix to Hertz s hunk of metal, and Numero Dos: insurance that pays to heal/mend/repair whoever or whatever you hit in Mexico.
But if you get into an accident and hurt someone or something, no matter how slight, and you don t have Numero Dos, you re going to jail. It IS a felony and La Policia best travel store will hold you (your body, not your money, your car, your lawyers name, YOU) until you stand trial for the felony best travel store you just committed.
And one thing about Numero Dos: the policy better be written in Espanol and have a Mexico City or other Mexican address, because only insurance issued by a Mexican company is recognized. And VISA no habla.
Finally, chances are if you re like most gringos and find yourself in an accident on vacation, some guy named Jose Cuervo may have played a role, and not having Numero Dos would make a very bad situation even worse.
Buy the freakin Mexican insurance. And while sipping/gulping Cuervo ponder the irony: middle class gringos saving what amounts to at most $200 on a trip where they can act like ultra wealthy people for a week or two (and in Mexico, you are). But in Mexico the government still trumps wealth.
In Mexico, it is required by law that liability insurance be included in the rate of all car rentals. If a rental car company tries to tell you otherwise, don t believe them. You may, however, still be interested in comprehensive rental insurance. This additional coverage will also cover you in the event that your belongings are stolen while in the car. Be aware of the applicable best travel store deductible that comes with comprehensive coverage best travel store before deciding best travel store if it will be beneficial to you.
I ve read that Mexican insurance is required by law. However, I ve also read that its Mexican law to include this in the rental price. The additional insurance is extra (third party liability, collision, etc ). Anyone best travel store know if this is true? Sounds like it is if Hertz said you didn t need to buy the extra this is true. They are an international company and I doubt they d not follow the Mexican insurance laws.