Flyboy wrote:
If you have an Amex card issued in the U.S. call them and have them add full rental insurance for abroad on your card. The charge is about $25 and covers about 2 weeks or so of a rental. You are covered for ALL damage/liability with high limits on the car. Anytime you rent and use the Amex card after enabling this coverage you will be so covered. Other premium cards may have the same deal.
READ THE FINE PRINT!
You may be right, Amex may provide full coverage. But here's my experience:
MasterCard Platinum too provides coverage. And I used it, no problem.
HOWEVER, my last trip I read the fine print and here's what it says (paraphrased):
Any damage done on
non-paved roads or even off the paved road, is not covered! That means if you go almost anywhere in Costa Rica outside of San Jose' you are not going to be covered if that clause is in there!
So maybe Amex's is different but ask for a copy of the policy and read the fine print re "off road" damage.
Just fyi I used Budget several times in the past, never had a problem, in fact I am pretty sure I caused a couple minor dings and they didn't say anything. I used an operator TravelCity or something like that who contracts with Budget last time I was there - last year - and again I had a ding I was afraid I'd get charged for. No charge.
That said, personally aside from the fact I HATE paying for full insurance - it's OUTRAGEOUSLY expensive! - I would not drive in Costa Rica without it; you are risking owing 10-20k dollars U.S. if you get in an accident without it.
Tip 1: Take photos of the entire car. If you are charged for something at least you can go back and look to see and prove if the damage was already there or not.
Tip 2: Be careful as hell with the traffic violations! U-Turns, speeding etc incur fines HIGHER than most U.S. cities. Crazy but true. And there you don't even have the option to go to traffic court and plead "guilty with an explanation" like you do in some part of the U.S.