rental cars in Zih

Have you ever been in an accident in Mexico using a credit card as auto insurance coverage? Setting aside all the limitations on an auto damage claim against a credit card - the real problem is that the rental company and local law enforcement do not accept that as payment for the damage. You are required to pay all costs up front including estimated damage to the car and "loss of income" while the car is being repaired. Then you attempt to recover those costs later from the credit card company. Don't even think about what happens if someone in another vehicle is injured in this accident. I do rent cars in Mexico, I have been involved in an accident, and driving without local insurance coverage is not a risk I am prepared to take.