ehuna
Newbie
Posts: 11
Registered: 3-8-2007
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Rental Car Personal Liability Insurance
Every time we go to Loreto, Alamo Mexico forces us to get personal liability insurance for $15 to $20/day - they tell me this is Mexican law. This
insurance adds up and many times it's more expensive than the actual rental.
We are going to Loreto in a couple of weeks, and this time I called Alamo in the US and asked them to clarify the insurance requirements. Here's what
they said:
"Insurance on an Alamo rental car in Mexico is optional, although you will be offered 'Personal Liability' insurance. Customer needs to show proof of
other personal liability coverage or needs to purchase Alamo's 'Personal Liability' insurance."
I called my credit card company and they told me they cover personal liability on rental cars in Mexico.
I was wondering what folks at the bajanomad.com forums think - is it ok to use my personal liability insurance?
If for whatever reason I get into an accident and the police gets involved, would the 'Federales' have any issues with the personal liability coverage
through my credit card?
I've been a member of the forums for years, and although I'm an avid reader, I don't post often - but when I post I always get great answers.
Thanks for the help!
[Edited on 1-12-2013 by ehuna]
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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Just so you know, it may not be the "Federales" (Policía Federal de Caminos - Federal Highway Police). Depending on the road/street, it could be the
municipal or state police.
This is Mexico, there is no stock answer. What Alamo in the US told you really doesn't mean squat in Mexico.
Err on the safe side and buy the insurance. If anything happens, you will be glad you did.
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john68
Nomad
Posts: 205
Registered: 7-9-2006
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try Europcar and read the fine print re the insurance. When we rented from them last year in Chiapas, they included liability for no extra charge.
Saved us a bundle
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Wally
Nomad
Posts: 182
Registered: 3-15-2006
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Someone here once said something like:
Depends on how long you want to sit in jail waiting for the insurance company to settle the issue.
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mtgoat666
Select Nomad
Posts: 19371
Registered: 9-16-2006
Location: San Diego
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Mood: Hot n spicy
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| Quote: | Originally posted by ehuna
Every time we go to Loreto, Alamo Mexico forces us to get personal liability insurance for $15 to $20/day - they tell me this is Mexican law. This
insurance adds up and many times it's more expensive than the actual rental.
We are going to Loreto in a couple of weeks, and this time I called Alamo in the US and asked them to clarify the insurance requirements. Here's what
they said:
"Insurance on an Alamo rental car in Mexico is optional, although you will be offered 'Personal Liability' insurance. Customer needs to show proof of
other personal liability coverage or needs to purchase Alamo's 'Personal Liability' insurance."
I called my credit card company and they told me they cover personal liability on rental cars in Mexico.
I was wondering what folks at the bajanomad.com forums think - is it ok to use my personal liability insurance?
If for whatever reason I get into an accident and the police gets involved, would the 'Federales' have any issues with the personal liability coverage
through my credit card?
I've been a member of the forums for years, and although I'm an avid reader, I don't post often - but when I post I always get great answers.
Thanks for the help!
[Edited on 1-12-2013 by ehuna] |
if you rely on CC insurance, does your CC give you a spanish-language policy you can carry with you in mexico?
after your accident, i suspect mexican cop won't read your english language CC agreement...
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Bob and Susan
Elite Nomad
Posts: 8813
Registered: 8-20-2003
Location: Mulege BCS on the BAY
Member Is Offline
Mood: Full Time Residents
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i think rental car insurance rules changed last year
you better find out the real rule as of today
and make sure it includes lawyer assist
most impt part
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john68
Nomad
Posts: 205
Registered: 7-9-2006
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here's an explanation of Europcar's liability insurance:
https://www.europcar.com/EBE/module/render/FAQ-Insurances-an...
I have read that Mexico's minimum liability insurance is 300,000 pesos, equal to a maximum wrongful death.
My credit cards only cover damage to the vehicle, not liability.
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ehuna
Newbie
Posts: 11
Registered: 3-8-2007
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Great answers, thank you - we'll check out Europcar's rates - in any case to avoid the random cop reaction, we'll get the insurance.
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Udo
Elite Nomad
Posts: 6364
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
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Mood: TEQUILA!
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Late last year I rented from Alamo in Cabo, and no such insurance was required.
I also just rented from National, for next month, and nothing was said about the "personal liability insurance"
Udo
Youth is wasted on the young!
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Wally
Nomad
Posts: 182
Registered: 3-15-2006
Member Is Offline
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FWIW: Found this posted on http://bbbrentacar.com
Basic Personal Liability: Called third-party liability insurance, this is the one mandatory insurance in Mexico as it is in the majority of the USA.
It covers claims for injury and or damage you cause to another person, car or other property in an accident,. Mexico does not accept liability
coverage from U.S. auto policies or credit card insurance. You simply cannot rent a car without Mexican liability insurance. By law a small amount of
liability insurance is included in the rental price; however the mandated liability coverage amounts to less than $4,000.00 US Dollars. Nobody in
their right mind wants to take a chance that this much coverage is adequate in Mexico. If all damages are not paid or covered by insurance your most
memorable vacation sight could include the inside of a Mexican jail until you pay off your obligation.
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