An Overview Of Can You Get Car Rental Insurance In Cozumel
By Dennis Anderson
At Hotel Villa Deja Blue, we help budget-conscious travelers enjoy Cozumel activities in a relaxing atmosphere using insider information learned from living on beautiful Cozumel.
Traveling by rental car to Cozumel can be relatively safe if you take precautions such as being prepared, paying attention to road signs, and not speeding. Unfortunately, however, some reports indicate that tourists may sometimes be targeted for police checks.
Acquiring travel insurance is highly recommended; while your credit card may provide some coverage, this likely won’t suffice for Mexico.
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Can you get car rental insurance in Cozumel? There are a few important things you should keep in mind when renting a car in Cozumel. First and foremost, booking early is always recommended; otherwise rental agencies will have captive markets which allow them to charge exorbitant prices; this is particularly the case if booking via travel websites such as Expedia or Priceline.
Mexico requires all drivers renting cars to have at least third party liability coverage on them, with many international rental companies including this as part of their vehicle rental package. Please check terms and conditions as this coverage will likely require local rates unless full cover insurance through personal auto policies or credit cards exists.
Before renting a car in Cozumel, it is crucial that you conduct a careful inspection of it. Check all windows are closed securely, as well as make sure the trunk lock is locked before driving away – this will protect you from unexpected costs in case an accident should arise while driving your rented vehicle.
Before leaving the agency, make a copy of both your passport and rental car agreement for safekeeping in case police pull you over; that way if something should happen and they pull over you as driver they have evidence to back their claim that you are legal and covered under your vehicle policy. It may be prudent to store these documents in your glovebox just in case.
In the event of an accident, it’s likely you will need to visit the police station and work out a financial settlement with those injured – something which can be particularly stressful if they do not speak Spanish. Furthermore, if authorities can’t establish who was at fault they could hold you in jail until an acceptable agreement can be made.
Good news is that most US auto policies offer liability coverage, so you should be adequately covered. Just to be safe, bring along a copy of your policy information in case of an emergency situation while visiting Cozumel.
Can you get car rental insurance in Cozumel? When renting a car, rental agencies may ask you to purchase their collision damage waiver (CDW). This policy covers the costs associated with repairing your rental vehicle in case of an accident. If you already have coverage with either car insurance or credit card rental car coverage, CDW from rental agencies is usually unnecessary; otherwise make sure your agent clearly states that it does not cover liability or bodily injuries caused by yourself or anyone else driving in the vehicle.
CDW policies vary according to rental company and car category, but typically cover monetary amounts for repairs as well as an initial “deductible.” Your own car insurance or credit card benefits may save you from having to pay this deductible altogether – potentially saving thousands in total costs.
Liability waivers may also be required by law in certain countries; Mexico for instance requires them if you’re involved in an accident causing injuries or property damage that cannot be determined as being your responsibility; they could refuse to let you leave until this has been settled; in this instance a CDW might prove valuable.
Though CDW provides protection, it doesn’t cover every form of damage. This may include damages to vehicle tyres and windows as well as additional items like GPS units, child seats or extras not listed within its coverage. Furthermore, it won’t reimburse the rental agency in case their own loss or theft takes place within your rental car or its contents.
Find comprehensive rental car coverage by turning to either a travel insurance company that specializes in standalone policies or your existing auto insurer. Some providers even provide policies with zero excess, which can save a considerable amount when making claims. Regardless of which option you select (stand-alone policy or CDW and TP provided by car insurer), ensure you obtain copies of any documentation in advance so you can present it if requested by rental agency staff.
If you have been considering renting a car in Cozumel, chances are that you have noticed some rental agencies have significantly higher prices than others. Local companies that only operate within Cozumel take advantage of visitors not having many options and charge exorbitant prices in order to take advantage of them and take advantage of them by charging high fees that can only serve their own benefit and not those of customers or save any money in return. This practice not only makes life harder for consumers but is a waste of resources as well.
Mandatory Mexican liability insurance is included with rental prices, but does not cover everything. If an accident occurs and injuries or damages occur to yourself or the vehicle, any actual costs must come out of pocket. Therefore, purchasing additional coverage through your rental company gives peace of mind in case something unexpected should arise – an investment which costs less than ever and offers peace of mind in case an incident or damage to it arises.
Comprehensive insurance also serves to safeguard you from the cost associated with having your car or motorcycle stolen. This is a particularly pertinent concern in Mexico where criminals prey upon tourists. Should it happen that your vehicle is stolen while visiting Cozumel, comprehensive coverage would provide financial settlement to its owner and help restore his/her property.
Driving responsibly on Cozumel should be straightforward if you have some knowledge of its roads and driving laws, including basic knowledge of road signs and laws on the island. Should you find yourself being pulled over by police while on Cozumel, prepare to spend time explaining yourself to them in their office if you get pulled over for speeding or suspicion that someone has been drinking alcohol while behind the wheel. It isn’t unusual for police officers to pull drivers over for speeding or alcohol consumption while behind the wheel – which could include speeding.
Car rental in Cozumel is an ideal way to explore and take advantage of everything it has to offer. Booking your vehicle early can save money and ensure you receive your preferred model.
Rental cars in Cozumel typically include liability coverage (the law mandates $750,000MXP), but not all car rental agencies offer additional coverages. You may be able to obtain uninsured motorist coverage using your credit card or existing personal auto policy – be sure that it provides adequate limits for your trip! In order to do this effectively and avoid invalidating it through under-the-influence driving or off-roading or having someone not listed as being named driver use your car without authorization from them first!
Cozumel driving can usually be safe if you follow all the rules and understand them, particularly if you’re an attentive, responsible driver who knows their responsibilities on the road. Roads are in good condition with bi-lingual signage and clear lanes; traffic levels tend to be light; however it is wise not to leave valuables lying around and always wear your seat belt when driving – furthermore it is vitally important that your fuel gauge stays within acceptable parameters and you know where your nearest gas station can be found.
Some reports claim that police may target rental cars for speeding, although this is usually not true. You should nevertheless remain mindful that it is possible for police to pull you over while in Cozumel if they notice you partying or driving too quickly; should this occur, remain calm and respectful with them as they simply doing their job.
Whenever in doubt about whether your own car insurance covers renting a vehicle abroad, it’s wise to contact either your agent or credit card company before renting. Certain policies provide special travel coverage; other credit cards automatically cover rentals in Mexico automatically. It is wise to be mindful of risks associated with forgoing rental car coverage; it may often be worth spending extra to ensure adequate protection during your journey.
Be sure to book your stay at Hotel Villa Deja Blue and enjoy using your stay on the beautiful island of Cozumel.