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Forums » Mexico City & Colonial Cities » Liability Car insurance advice for Cabo trip?

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rapotap

Liability Car insurance advice for Cabo trip?

by rapotap »

Will be traveling to Cabo San Lucas next week and renting a car at the airport - the car rental is super cheap but one has to buy the "liability" insurance at the car rental place and they seem to gouge ... last year it was around $400 just for the week! We've been told you MUST have the liability insurance when driving there because a car accident is viewed as a "crime" so it is very complicated. Is there another option? 

ADVICE? INFO? Thanks!

 

Other suggestions about Cabo appreciated too... :)

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paweber

RE: Liability Car insurance advice for Cabo trip?

by paweber »

I wrote a post which discusses Mexican car insurance - you can find it in the Frommer's Mexico/General forum as a "sticky post" - here is a quick link to that post: http://tinyurl.com/nnq85al

You will not get out of buying liability insurance.Carrying a valid policy valid in Mexico is mandatory under Mexican law in all of their states, including Baja California Sur where you are going. (No, your credit card rental insurance is not liability insurance). Some car rental companies include the liability insurance premium in their base rates, other car rental companies break the charge out separately. Shop around.

If you are unfortunate enough to get into an accident in Mexico then you'll be glad you have a valid policy. Without one you will more than likely be held by law enforcement until financial responsibility is determined and your ability to pay confirmed. You can be deemed responsible for any injury or death to others, damage done to physical property, and damages done to highway infrastructure (the roadbed, signs, signals, fencing, etc.). Check the liability limits on the policy you are offered. Like in the USA, minimum coverage may be sufficient to get past the letter of the law but insufficient in case of a serious accident. Cars cost just as much in Mexico - if not more so - as they do back home. Also keep in mind that you will be looked at as the rich gringo with deep pockets if you round a blind curve and run over the only talking burro in all of Mexico.

If you are staying in one of the resorts along "The Corridor" in Los Cabos then having your own vehicle is very convenient. Otherwise you'll be depending on expensive taxis or public bus (cheap) or your resort's shuttle (if they have one) to get into town.

 

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rapotap

RE: Liability Car insurance advice for Cabo trip?

by rapotap »

OK ! Thank-you very much for all that informative info.  I will shop around for sure, and from home before we leave, I suppose. We're renting from Budget...they did not include the price of insurance in the rental. 

We've been there before, (last year) rented a car  also, and had an easy time with it, wouldn't visit there any other way. We played a couple of golf courses & went to San Jose one day as well, needed a car for sure!

I will check out the other post you made also. Thanks again!

Can you point me to other recommendations for restaurants, activities, points of interest, etc?  Would sure appreciate it.

You're a great resource!

In Response to Re: Liability Car insurance advice for Cabo trip?:[QUOTE]

I wrote a post which discusses Mexican car insurance - you can find it in the Frommer's Mexico/General forum as a "sticky post" - here is a quick link to that post: http://tinyurl.com/nnq85al

You will not get out of buying liability insurance.Carrying a valid policy valid in Mexico is mandatory under Mexican law in all of their states, including Baja California Sur where you are going. (No, your credit card rental insurance is not liability insurance). Some car rental companies include the liability insurance premium in their base rates, other car rental companies break the charge out separately. Shop around.

If you are unfortunate enough to get into an accident in Mexico then you'll be glad you have a valid policy. Without one you will more than likely be held by law enforcement until financial responsibility is determined and your ability to pay confirmed. You can be deemed responsible for any injury or death to others, damage done to physical property, and damages done to highway infrastructure (the roadbed, signs, signals, fencing, etc.). Check the liability limits on the policy you are offered. Like in the USA, minimum coverage may be sufficient to get past the letter of the law but insufficient in case of a serious accident. Cars cost just as much in Mexico - if not more so - as they do back home. Also keep in mind that you will be looked at as the rich gringo with deep pockets if you round a blind curve and run over the only talking burro in all of Mexico.

If you are staying in one of the resorts along "The Corridor" in Los Cabos then having your own vehicle is very convenient. Otherwise you'll be depending on expensive taxis or public bus (cheap) or your resort's shuttle (if they have one) to get into town.

 


Posted by PAWeber[/QUOTE]

 

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paweber

RE: Liability Car insurance advice for Cabo trip?

by paweber »

Glad to be of some help. Also check my other sticky posts in the Mexico/General forum for information about driving in Mexico, language and dining etiquette.

There is some good information in the Frommers online guides right here on this website. Also check the Los Cabos Tourism Board which maintains an English language website here:

http://visitloscabos.travel/

 

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Ramonlv

RE: Liability Car insurance advice for Cabo trip?

by Ramonlv »

I do not think this is one to duck out of! Thanks for the info, I'll be passing it on to my readers. I wrote about car rental in Mexico City but need to add a point now about libalility insurance.

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