We have rented a car the last 4 times we were in Cabo and haven't purchased the rental car insurance and have yet to have a problem...this past June, our rental was keyed and when we went to drop off the car, my dh just gave the inspection guy a tip and no one said anything about the scratch...if you are nervous about it, I'd check with your own insurance first to see if you are covered while you are there since the price they charge you in Mex for insurance is $$$...