If damage occurs to the car the cost of repairs will be charged to your credit card and you will only be reimbursed after submitting a successful claim to cardmember services. requiring a signed letter from your issuing bank stating the coverage applies to you) then they probably have no intention of accepting the coverage no matter what and are just wearing you down. 
It may help to have a statement of your credit card insurance policy in writing.
Most rent-a-car representatives will try hard to get you to accept their insurance because it is the most profitable part of the contract. The reservation below for March 2020 was made in November and does not include CDW. We do not know if Alamo has changed policy to force all rentals to purchase CDW but as soon as we get an answer we’ll post it. NOTE: in early 2020 the online reservation form began forcing CDW coverage…you can no longer unselect it. If you want to use your credit card you will need to use a different company (Alamo has always been good for us). This is not ever required by law but some companies simply refuse to rent you a car using credit card coverage. Some car rental agencies force you to purchase their CDW or other insurance. This is because you are required by law to purchase SLI and even though you pay for it along with your car it is not sold by the rental car company it is sold by the government. The government issued liability insurance (SLI) does not cancel the credit card coverage. 
If you accept or purchase any coverage sold by the rental car company (CDW, Limited Liability, Comprehensive Coverage, Zero Deductible see this link insurance explanation) then all credit card coverage is rendered null and void.You must check with your credit card company and the specific car rental agency you’re working with for coverage details but there are some things that are generally true and important to know about using VISA, MasterCard or American Express. Other Options | Damage Claims | Fine Print Important Things to Know About Credit Card Rental Car Insurance in Costa Rica We can tell you it is worth checking into. We can’t guarantee that it will be the same for everyone because coverage depends on your card agreement and the rental agreement including all the fine print therein.
The one time we had to make a claim (someone ran into the car while it was parked then fled the scene) it took a single five minute phone call, cost us $0.00 and was taken care of in a few days. We just hand over the accident report and the credit card company does the rest. company who deals with any Costa Rican red tape for us in case of an accident or other claim. In our case it includes 100% accidental damage, 100% collision, 100% theft and 100% vandalism coverage with a zero deductible. It covers at least as much and usually much more than any options sold through the rent-a-car company. VENTURE ONE RENTAL CAR INSURANCE FREE
It is free and saves us between $18 and $44 per day compared to various coverage options sold by the car rental agencies (see cost benefit comparison).Rental Car Insurance Using a Credit Card in Costa Ricaįor us there are a number of advantages to using our card coverage instead of buying CDW or other policies from the rental car agency Other Options | Damage Claims | Fine Print Make sure any scratches dents or other damage are noted on the rental agreement. We always use the rental car coverage that is included as a free service of our VISA signature credit card. Best Places to See Wildlife in Costa Rica.
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