Car Rental Insurance in Costa Rica
Insurance is already included in every Payara rental — no surprise charges when you pick up your car.
Three protections, one price
Every rental comes with the three coverages below. Here’s what each one does for you.
Supplementary Liability Insurance
Covers your legal liability for bodily injury or property damage caused to third parties while driving the rental car — protecting you against claims from other drivers, pedestrians or property owners. Especially valuable if you’re not used to local traffic, since one accident won’t become a major financial burden.
Third-Party Property Damage
Covers damage you cause to another person’s vehicle or property in an at-fault accident, including repairs to fences, walls or other structures. It complements SLI by focusing on property rather than injuries, so you won’t pay out of pocket for someone else’s belongings.
Loss Damage Waiver
Covers repair or replacement costs if the rental car itself is damaged during your rental — from a collision, a scratch or weather. Depending on your plan, it can greatly reduce or eliminate what you’d pay for repairs.
What’s covered
| Situation | Payara coverage |
|---|---|
| Injury to other people | Covered by SLI |
| Damage to another car or property | Covered by TPI |
| Damage to your rental car | Covered by LDW |
| Intentional damage or reckless driving | Not covered |
| Breaking the rental agreement | Not covered |
No extras at the counter
Many agencies advertise a low daily rate and add insurance when you pick up the car. With us, the price you’re quoted already includes it.
| Payara | Traditional agencies | |
|---|---|---|
| Insurance | Included in the price | Often charged extra at pickup |
| Credit card | Not required | Required as a guarantee |
| Security deposit | US$400, returned at drop-off | Hold on your credit card |
What to do if you have an accident
Follow these three steps so your insurance can respond.
Let us know right away
Call or WhatsApp us at +506 7013 4401. A real person will guide you through what comes next.
Call a traffic inspector
A traffic inspector needs to come and document the accident.
Notify the insurer
Report the accident to the insurance company as well.
Important: if the insurance company isn’t notified, it may not cover the damages, and the responsibility would fall on you. If anyone is hurt, call 911 first.