The most asked question we get about traveling to Costa Rica besides itinerary help is car rental insurance because we have an exclusive discount with Adobe Rent a Car. One of the reasons why we chose to work with Adobe is how they operate regarding car rental insurance: they make it easy. You can read about our experience with Adobe Rent a Car and why their easy to understand insurance options were one of the reasons why we had such an excellent experience.
Now for those who are completely new at renting cars in Costa Rica, the insurance is the most confusing part because it works differently than Europe, Canada, US, etc. You can read this post “Costa Rica car rental insurance” to see how several car rental companies’ insurance policy works if you are comparing other companies.
But with Adobe, it is super simple. We visited the Adobe office to talk to one of their insurance experts to understand exactly how their insurance works in detail. In this post, I’m going to break down how Adobe Rent a Car insurance works so you can better understand exactly what you’re paying for.
*Post updated November 2020. Discount still valid*
Adobe Rent a Car Insurance
Adobe has only three car rental insurance options which is very few compared to other companies like Enterprise and Economy. Adobe’s two car rental insurance options are simple for clients and there are absolutely NO hidden fees anywhere.
There is no “If you get insurance option 1, you pay for B, D and half of C. But if you pay the 4th insurance option, you don’t pay for B but you pay for A and a little bit of D blah blah blah”. It’s simply option 3 options: Liability (mandatory), Car Protection and Extended (optional)
Liability Protection (PLI)
The Liability Protection is what most car rental companies call their mandatory insurance. The actual mandatory insurance in Costa Rica is called Marchamo which is more like a yearly property tax and covers a small portion of 3rd party damages. The insurance is called Responsibilidad Civil.
Car rental insurance companies create their own basic insurance to include the Marchamo since they can’t use just that insurance (slow and doesn’t cover very much) and they all use different names. For Adobe, this is called the Liability Protection..
What it covers:
- Coverage up to $20,000 USD in 3rd party damages with a 20% deductible*. It also has a coverage of 3rd parties not in the car (i.e pedestrian) up to $100,000 USD with 0 deductible.
- Liability Protection does not cover vehicle damage.
* As per 2020 all Mytanfeet readers have 0% deductible on Liability, up to $20,000 USD.
This insurance costs from $13-25 USD a day depending on the vehicle.
Car Protection (LDW)
This insurance covers damages of the rented car in an accident, collision or roll over. In case of total or partial theft of the rented car, the Car Protection also covers any financial losses due to the theft.
You may decline this insurance with credit card insurance if you present a letter from your credit card company stating that the credit card will cover the damages. You need to carefully check with your credit card company to see if they will cover this insurance including but not limited to factors such as number of passengers, type of car and number of rental days. For example, my Chase Sapphire credit card offers car rental insurance and I can use it to decline the Car Protection insurance which saves me $14-17 USD a day.
Important: Car Protection does NOT cover vandalism, road side assistance or towing. The deductible is $1000 USD and does NOT cover any 3rd party damages.
The third option, the Extended Protection is 100% optional. The Adobe representative will ask you once if you wish to get Extended Protection but you are completely free to decline it and they won’t push it.
The Extended Protection Insurance covers:
- The 20% deductible of the Liability Protection so your deductible is 0.
- Covers vandalism, windows, damaged tires (FLAT TIRES NOT INCLUDED), road assistance 24/7 and tow truck.
- 100% of damages including 3rd party up to $4 million.
This costs around $18 USD a day extra depending on the vehicle.
Situations Where Insurance Does Not Cover the Rental
- Driving under the influence of drugs and/or alcohol.
- Failure to immediately report a car accident that you are involved in.
- Damages to the car in situations when the driver is not authorized.
- Damages due to driving through rivers, on beaches, through lakes, mangroves and flooded roads (anywhere through water). Anywhere that an official road does not exist.
- Failure to comply with the legal procedure with the insurance company. This includes failure to report the accident to transit police, failure to report the accident and filling out the insurance claim and non-compliance with other legal process requirements.
- Flat tires are not covered under any of the insurances. Adobe will give you the necessary tools to change the flat tire and then you can go to any one of their 15+ offices in the country to get a new tire.
Is Credit Card Car Rental Insurance Accepted in Costa Rica?
The big question we always get is if Adobe accepts credit card insurance. For clients, it’s easy to think “Why should I pay Costa Rican car rental insurance if my credit card offers it already?”
So if you’re wondering if you can use your credit card insurance, the answer is yes. You can use it to decline the Car Protection Insurance with Adobe Rent a Car. You must present a letter from the credit card company in order to decline it and you can only use it to reject the Car Protection Insurance. This letter can be sent beforehand to Adobe Rent a Car via PDF format to verify it is acceptable. You can also bring a printed letter when you pick up the car but we recommend to send it beforehand to make sure it works.
The letter needs to have the company logo letterhead, the credit card holder’s full name and the last 4 digits of the credit card being used to pay for the rental. You can usually request this letter by calling the phone number on the back of your credit card and asking the agent to email you the letter via PDF format.
Please remember that Car Protection covers the damages of the rental vehicle, not 3rd party damages. If you decline Car Protection but purchase Extended, the credit card insurance will cover damages to your rental vehicle. Extended Purchase Insurance covers 3rd party damages (it is an extension of Liability Insurance) and other points mentioned above.
If you decline Car Protection insurance and use your credit card insurance and get involved in an incident, Adobe will charge you and then provide all the paperwork you might need in order to get reimbursed by your insurance company.
Why Rent With Adobe Rent a Car?
Insurance Broken Down Easy
Like I mentioned earlier, Adobe Rent a Car breaks down their insurances very easily. There are just 3: one you can decline, one is optional and one is mandatory.
Some other car rental companies (usually the big international companies) can have 5, 6, 7 different insurances. That makes it really difficult to understand! And they make seem like the car rental is super cheap. What you don’t know is that they slyly add the insurance later when you’re about to pick up the car. Which brings me to my next point.
Since Adobe Rent a Car is a Costa Rican company, they don’t want their clients to have a bad experience with car hires. Unfortunately car rentals have a bad reputation in Costa Rica due to the insurances and “hidden fees” by international companies. They do not add on any last minute taxes, fees or insurances.
Those 3 insurances are exactly what they offer and they don’t add on any more. What you see on your reservation is what you pay and it’s just 3 insurances, nothing more.
Peace of mind
As I said, Adobe Rent a Car is a 100% Costa Rican company meaning they know the Costa Rican laws inside and out. As they have been operating for over 20 years, they know how the system works through and through.
By renting with a Costa Rican company, you have more peace of mind that their agents will answer any question you have with honesty and sincerity. As Costa Ricans, they want every visitor to have a great time in Costa Rica.
I hope this posts clears up any questions you have any Adobe Rent a Car insurance. Don’t forget to get our Costa Rica car rental discount and extra benefits!
Read these post below for more tips on driving/renting a car in Costa Rica.
We want to thank Adobe Rent a Car for explaining to us in detail about their car rental insurance!