Car rental in Mexico

I realised your draft post on car rental in Mexico was for your trip last year which was cancelled. Here is the research I compiled.

Personal liability insurance. Many rental car agencies (including the one we have booked with, Sixt), include the required by law liability insurance. Sixt includes coverage for $350,000 MXN, which is about $25,000 Canadian. You can buy additional coverage from Sixt for $11 per day USD. I think we will pay this additional insurance, but I may do a little research about whether it is required.
http://www.sfgate.com/mexico/mexicomix/article/Renting-a-car-in-Mexico-What-you-need-to-know-3787891.php
http://www.mexperience.com/lifestyle/transport/car-rental-in-mexico/

Loss damage waiver (LDW). This is the one covered by credit cards. I looked at the terms of the credit card we will be using. The only issue is that the principal driver has to be the one renting, and I currently have rented a manual car that only Murray knows how to drive. I was planning to get him that card anyway through the referral program, so we just have to do that by January.  OR we would have to see how much to pay for another driver, who would be covered as long as the cardmember is the principal driver.
For Amex: All claims must be reported within 48 hours of the theft, loss and damage occurring by calling 1-800-243-0198 (in Canada or the United States) or by calling collect (905) 475-4822 (elsewhere in the world).
If refusing the car company's insurance, they will usually put a large deductible on the credit card for the duration of the rental.

Personal Accident Insurance. This would be covered through our health insurance.

To do when rent car:

• decide if going to decline or take liability insurance.
• call credit card company before travel, tell them there will be large charge for deductible.
• take pictures of car, including close-ups of any dents, scratches, etc. Also look at underside (somehow?)
• decline LDW