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Adobe Rent a Car insurance coverage

  • 5 November, 2018
  • Posted by: Adobe Rent a Car
  • Category: Insurances
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Adobe Rent a Car insurance coverage

Are you concerned about rental car insurance when you travel? Don’t worry, at Adobe Rent a Car we’ve got you covered!

 

Insurance coverage to meet your travel and business needs

At Adobe Rent a Car we offer the perfect insurance coverage to meet your travel and business needs.

We take pride in being the largest and most comprehensive rental car agency in all of Costa Rica. Choose from a wide range of options, from one-day rentals to long-term vehicle renting; and simple sedans to commercial vans or Pickups. What’s more, we work directly with you, the client, to determine what type of vehicle and insurance coverage best fits your vacation or business needs. We promise no hidden fees and guarantee that each step of the rental process will be clear and hassle-free.

 

Is car rental insurance mandatory in Costa Rica?

 

Liability Protection Insurance (PLI)

PLI is mandatory for all vehicle rentals in Costa Rica and provides limited liability coverage for incidents involving third parties. The PLI daily rate is included in your rental agreement and is non-negotiable.

For third-party property damages, our Adobe PLI covers up to $20,000 with a 20% deductible or a minimum fee of $250. Note that the PLI does not cover any damages to the rental car itself.

In the event of injury or death of a third party not traveling in the rental car, your Adobe PLI covers up to US $100,000 per accident with no deductible.

Liability Protection Insurance (PLI)

We also offer additional coverage options to ensure your peace of mind. Clients can choose from three distinct plans:

  • Adobe Loss and Damage Coverage (LDW)
  • The LDW provided by the renter’s major credit card
  • Extended Protection Coverage (SPP) – recommended

A $1,000 guarantee deposit is required for all vehicle rentals. Clients can make the deposit with their valid Visa, Mastercard, or American Express credit card. Debit cards are accepted with some restrictions, and cash is not accepted. Upon return of the vehicle, we’ll submit an electronic request to release the $1,000 deposit. The funds will be available depending on the bank’s processing diligence.

How does car rental insurance work in Costa Rica?

At Adobe, we offer our clients professional and comprehensive coverage at reasonable and competitive rates with no hidden fees. When renting a car, you’ll be given the option of choosing the coverage that best fits your needs. Choose from the following options:

 

Adobe Car Protection Plan (LDW):

Our LDW coverage provides basic rental car coverage during the duration of your rental, including:

  • LDW coverage waives the client’s financial responsibility in the event of a collision or roll-over, as well as other damages to the rental car.

Note that vandalism and tire damages are not covered under the LDW.

  • LDW provides coverage for partial or total theft of the vehicle in accordance with Adobe terms and conditions.
  • The LDW deductible, or excess amount, is $1,000.

Note that third-party damages are not covered under the LDW.

  • One of our Adobe representatives will assist you with the legal and financial process required for submitting a claim in the event of a collision, roll over, or damage to the vehicle. Examples of incident processing include vehicle appraisal, damage and downtime reports, repair reports, among others.

Your Credit Card’s LDW

Some clients opt to use their major credit card’s LDW coverage (Visa, Mastercard, or Amex). It is important that clients understand that by waiving our Adobe LDW, you assume 100% responsibility for any and all damages incurred to the car during the rental.

Clients must sign their claim so that we can assist with the credit card provider’s processing requirements.

Your Credit Card’s LDW

Some important facts to consider if you decline the Adobe LDW:

  • Make sure that your major credit card is current and provides LDW coverage in Costa Rica for the type of vehicle you are renting.
  • Remember that the owner of the card must also be the driver of the rental car.
  • Be aware of the terms and conditions of your credit card’s LDW.
  • You can NOT waive the Adobe LDW if you pay with a debit card.

Extended Protection Coverage (SPP)

With our Supplemental Protection Plan (SPP), your concerns for safety and security are covered. Our SPP is a robust and comprehensive coverage that ensures our client’s needs are taken care of during their stay; be it an accident in Guanacaste or a fender-bender in downtown San José.

Whether for vacation or business, our SPP ensures that your time in Costa Rica will be spent with confidence and peace of mind, no matter what happens on the road.  Adobe SPP coverage includes:

  • Nation-wide 24/7 roadside assistance, including tow truck service.
  • No deductible. The PLI’s 20% deductible for third-party damages is waived.
  • Insurance coverage is extended up to $5 million per event.
  • Vandalism damages to the car are covered, including to the tires and windows.

Extended Protection Coverage (SPP)

What car rental insurance should I purchase?

We at Adobe want your rental experience to be safe, positive, and hassle-free. We know that navigating the road’s in a foreign country can be difficult; and unfortunately, accidents do happen. For these reasons, we offer Extended Protection Coverage (SPP). For a low daily rate, rest assured that we at Adobe have you covered!

If you decide to not purchase the SPP coverage, we highly recommend our Adobe LDW over your credit card provider’s. Why? Because with the LDW, you’ll only need to pay the $1000 deductible and nothing more. On the contrary, your credit card’s insurance requires that you pay the total amount of the damages upfront, and wait to be reimbursed.

 

What are the rules I must follow to ensure my Adobe rental car coverage?

Clients who do not follow the Adobe rules and regulations regarding car rental coverage will forfeit coverage benefits. Be aware that the PLI, LDW (from Adobe or another provider), or the SPP will not apply under the following circumstances:

  • Failure to report an incident (collision or damages) to Adobe Rent a Car Company immediately after the event occurs.
  • If the driver is under the influence of drugs or alcohol at the time of the event.
  • If the driver is not authorized or inscribed as an additional driver in the Adobe rental contract and damages occur.
  • Any damages incurred while driving on unauthorized terrain, including rivers, lakes, beaches, mangroves, flooded roads, or “off-road” conditions (not officially recognized roads).
  • Failure to comply with the legal claim process with the corresponding insurance company. This includes, but is not limited to:
    • Failure to report the incident to the Transit Police.
    • Failure to report the incident or claim to the corresponding insurance company.
    • Failure to comply with all legal process requirements.

Can I rent a car without insurance?

No, you cannot rent a car without insurance in Costa Rica. Even if you purchase private international insurance coverage for you and your family in your home country, Costa Rican law does not recognize such plans for vehicle rentals.

 

Contact your Adobe Rent a Car representative if you have questions or concerns about your car rental coverage

We at Adobe Rent a Car want your vacation or business trip to be as positive and as worry-free as possible. Feel free to contact one of our bilingual representatives with any question or concerns you might have. E-mail info@adobecar.com; or call: +(506) 2542-4800; toll-free from the U.S. and Canada: +1 (855) 861-1250 (between 8:00 a.m. and 5:00 p.m. Central Time).



Privacy Preference Center

Consent Management

Privacy and Processing of Personal Data Policy

Please read carefully the following Privacy and Processing of Personal Data Policy of RENTE UN AUTO ESMERALDA S.A., a company domiciled in Costa Rica with entity identification number 3-101-88140, and its subsidiaries and/or affiliates (hereinafter referred to as "Adobe Rent a Car", "Adobe" or "we").

GENERAL INFORMATION

1. Adobe is a group of companies with main offices in the city of San José, Republic of Costa Rica, where it operates an internal personal database to provide its services.

2. This Privacy and Processing of Personal Data Policy (hereinafter, the "Policy" or the "Policies") regulates the way in which we collect and use your personal data. Personal data means any data relating to an identified or identifiable natural person.

3. This Policy applies to the collection and processing of your personal data by electronic and manual means.

4. The user who contracts our services and/or enters the Adobe website must, beforehand, read, understand, and accept these terms and conditions. Therefore, by contacting us and entering and browsing our website, whether or not using any of the services it offers, you declare that you have understood and accepted the terms and conditions contained in this Policy. We recommend that you read and understand this Policy before continuing browsing and using our website and contracting our services.

5. Adobe may modify these Policies from time to time to adapt them to the applicable regulation or to the services provided by Adobe. We recommend checking its content periodically.

CONTROLLER

6. This Policy applies to all companies in the Adobe’s group of undertakings, which provide rental car services and/or related activities. All are domiciled and operate in the Republic of Costa Rica. RENTE UN AUTO ESMERALDA S.A. is specifically in charge of the company´s database.

7. This Policy does not apply to third party service providers that can provide complementary services to those of Adobe, such as hotels, travel agencies, browsers, and search engines on the Internet, social networks, insurance companies, and other economic agents that may have their own privacy policies. In case our website has links (hyperlinks) to third party websites, our policies will not apply to those websites either.

TYPES OF PERSONAL DATA WE COLLECT

8. Adobe may collect and use personal customers information, such as their full name, nationality, identification documents and driver's license numbers and copies, telephone number, fax number, post office box, exact address, e-mail, payment information such as credit or debit card details (we will not keep your security code after the transaction), your hotel address (for delivery services), flight or reservation number, information on incidents (accidents, mechanical failures, thefts, losses, and others) that the vehicle could suffer; as well as any other information that is necessary for the contracting and rendering of the service requested by the customer, either to fulfill our contractual obligations or to exercise our legitimate rights. In the case of corporate or special plans and programs (such as, but not limited to, renting and long-term rentals), we may collect the necessary information to contract said plan and the one that links each user with the relevant agreement.

9. Adobe may also receive personal information from other legitimate sources in connection with the provision of the service you have contracted (from your workplace, from your travel agency, etc.). In exceptional cases, public authorities provide us with certain data related to infractions, collisions, thefts and accidents, and other similar events.

10. Our units may have location systems (GPS) that provide valuable information about the vehicle and the use given to it. This allows us to fulfill our contract, verify compliance by the customer, and recover our vehicles in case of theft, loss or other incidents. At no time will we track or monitor the status of your vehicle during the rental.

11. Telephone calls to our central office can be recorded for quality control purposes.

12. In our offices and agencies, we count on surveillance and monitoring systems that can record images, pictures and videos, voices, and/or sounds, for guaranteeing the safety of people and controlling our units.

13. Sometimes, we may request financial information from the customer for opening credit lines in certain special contract categories. Adobe may also request credit information from other sources, such as authorized credit bureaus, for that purpose.

14. Exceptionally, you may voluntarily provide us with some information about your health status when requesting a service or a special product from us. In that case, we will only collect that information with your express consent and store it with complete confidentiality for as long as it is strictly necessary to provide and offer our services. We will not share this information with third parties, except in exceptional cases in which applicable regulations allow or require it.

15. Our services are not directed to minors. It is not our intention to collect information from minors. Parents and guardians of minors may request the removal of such information by contacting Adobe as indicated in these Policies.

PURPOSE OF INFORMATION PROCESSING

16. We collect and use personal data for the following purposes:

a. To fully identify our customers, process reservations, contract with them, invoice our services and associated charges (including but not limited to insurance, guarantee deposits, and penalties), grant or deny credit, execute the contracts, provide the services announced in our premises and website, and demand fulfillment of contract;

b. To provide adequate customer service, including after-sales service, assistance services, and insurance;

c. To verify the proper, authorized, and legitimate use of Adobe vehicles by the customer;

d. To communicate with our customers, respond to complaints and comments, and/or offer our services;

e. To better understand the behavior of the market and the interests of our customers;

f. To improve our products and services;

g. To promote and market our services, comply with promotional programs, offer special or preferential plans, and customize our offers;

h. To process the collection and demand the payment of our services and associated charges;

i. To defend the legitimate interests of our company before any kind of conflict, claim, demand, infraction, investigation, process or litigation, either before the customer, authorities, insurers, and/or third parties;

j. To comply with controls related to fraud prevention, money laundering or security, whether due to legal duty or internal company policy;

k. To fulfill legal duties and any other legitimate interest of ours in the rendering of our services.

RECIPIENTS OF INFORMATION

17. Adobe is committed to the security of the data that you provide. Adobe will not share your personal data with third parties, except to comply with the purposes established for collection and processing, including the possibility of sharing them with entities of the same Adobe economic group (without the database losing its status as "internal"), and any other cause established in the applicable regulations, in these Policies, and in any agreements that you sign with us.

18. However, we may share your information, as far as required by the provision of our services and as allowed by law, with:

a. Intermediaries through which our services are contracted (when applicable), in order to fulfill our agreement;

b. Travel agencies and similar or equivalent services, to contract with you and fulfill our agreement;

c. Entities issuing credit or debit cards to process payments;

d. Insurers and authorities in case of incidents;

e. Your own employer, when contracting and executing corporate packages (when applicable);

f. Booking engines, insofar as you use one to make and manage your reservation;

g. Marketing services providers, to offer services and understand their preferences;

h. Credit bureaus dedicated to the elaboration of profiles, in case your account becomes delinquent with us.

i. Other recipients that could be found in Costa Rica or abroad, as required for data collection and processing set forth herein, according to the nature of our services, all of which you agree to contract with Adobe.

COOKIES, IP ADDRESSES, AND ANALYTICAL SOFTWARE

19. Our website may use "cookies" and "web beacons". Cookies are files that are stored in your browser when browsing our website, and that allow you to consult the previous activity of the browser. Cookies serve us primarily to help you manage your reservation and help you remember your selections and act according to your preferences. You can accept, delete or block cookies from your browser settings. Web beacons, on the other hand, allow measuring the traffic of users that use the website and serves the web analysis. Our website will only use all this information anonymously. You can accept or reject cookies from the configuration options of your browser. You can find our Cookies Policy at: www.adobecar.com

20. We may use IP information to automatically customize the service, as well as to analyze and prevent any type of threats to our website and to manage the site. We may use the IP information to identify the owners when there is a likelihood of fraudulent or illegitimate activity.

21. We can use analytical software, such as Google Analytics and Search Console, which allows us to collect information from a website related to search engines, to better understand the user's interaction with the Adobe website and improve its functionality.

TERM FOR STORING INFORMATION

22. We will store your personal data for the time that it is necessary to fulfill the purpose for which they are collected and to determine possible accountabilities that may arise from such purpose, in addition to the periods established in the regulations on files and documentation. The Internal Law of the Republic of Costa Rica authorizes Adobe to keep personal data for a maximum period of 10 years. Adobe will use this term as a reference, unless the applicable regulations provide otherwise.

EXERCISE OF RIGHTS AND MEANS OF CONTACT

23. Data protection laws grant certain rights of information self-determination. Among others, you have the right to access your personal information, correct any inaccuracy, revoke the consent for processing the data, and ask for the limitation or total or partial suppression of certain data according to law, in addition to other rights that the applicable regulations may contemplate. You may do so at any time, without retroactive effects being attributed to your action, by any of the following means:

a. By letter to Adobe's main offices, located in San Jose, Costa Rica, exactly in the Barrio Corazón de Jesús, 34th Street, from the Southwest corner of Cementerio de Obreros, 100 meters west and 800 meters south.

By email to the following address: privacy@adobecar.com

24. Your request must contain:

a. Names and surnames of the owner of the personal data, with a copy of the identity document. If the legal representative exercises this right, the latter must prove his/her identity by attaching an identity document or equivalent document, and a copy of the title that proves the representation.

b. Specific and clear request mentioning the data to which it refers and the correction requested, together with the documentation or relevant evidence to justify your request.

c. Address or means to receive notifications.

d. Date and signature of the applicant.

25. Adobe will attend your requests at no cost, within the terms of law. In case Adobe requires additional information, we will let you know in a timely manner.

26. Please note that the information you provide based on these Policies is necessary to fulfill the purposes detailed herein. Due to the nature of our services, refusal to provide, revocation of consent, and/or opposition to the processing of essential data may prevent contracting the service or may entail the termination of the provision of the service.

27. If you have any question, suggestion, observation or concern about our Privacy Policy, do not hesitate to contact us by any of the means previously indicated.

APPLICABLE LAW AND AUTHORITY OF CONTROL

28. These Policies are governed by the Law of the Republic of Costa Rica, without regarding conflicts of law provisions . The control authority of Costa Rica is the Agency for the Protection of Data of Inhabitants (Prodhab).

[Version 1.0 August 2018]

Legal notice and terms of use of the website

Required
These terms of use (hereinafter, the "Terms of Use") regulate the terms of use of this website, so you (the "user") must read and understand them before you start using it. The use of this website and/or related mobile applications means that the user has read and understood and agrees to these Terms of Use.

COOKIES POLICY

Our website may use "cookies" and "web beacons". Cookies are files that are stored in your browser when browsing our website and that allow you to consult the previous activity of the browser. Cookies serve us primarily to help you manage your reservation and help you remember your selections and act according to your preferences. You may accept, delete or block cookies from your browser settings.

If you delete the cookies, the stored information will be lost, which could affect or limit the use of the shopping cart, and therefore limit the consumer's ability to acquire, access, and contract the service.

Web beacons, on the other hand, allow measuring the traffic of users that use the website and serves for the web analysis. Our website will only use all this information anonymously.

In case the information can identify a person, our privacy policy shall apply.

You can accept or reject cookies from the configuration options of your browser:

• Chrome: Settings - Show advanced options - Privacy - Content settings.
• Internet Explorer: Tools - Internet Options - Privacy - Configuration.
• Firefox: Tools - Options - Privacy - History - Custom Settings.
• Safari: Preferences - Security.

For more information, you can check the support or the help of the respective browser.

This cookie policy may be modified from time to time at the discretion of the controller, when it is necessary to update it as per the contents and functionalities of the website or to the applicable regulations, so we recommend reviewing it periodically.