Seven friends and I went on a Carnival Cruise which one of our stops was in Cozumel. We had gone online to book a shore excursion rather than booking on Carnival. We rented dune buggies and went snorkeling and swimming and sightseeing. We had a great day until we were ending our excursion and a block away we didn't see a stop sign that was in the middle of the block rather than on the corner. We hit a man on a motorcycle. One of my friends is a nurse so she immediately ran and assisted the man until the ambulance arrived. His leg or knee was hurt but nothing life-threatening. The tour guide said that the company had insurance, and that we would only have to pay the deductable. I told him that our money was on the ship, so we would have to go to the ship to get the money. We ended up having to go to the police station and waited until the port authority man showed up. He tells my friend that was driving that she would miss the ship and that the entire process would take 5-6 hours. Of course, we are not leaving her, so I began arguing our case. Long story short, after arguing and arguing even when the owner and insurance man came, they still weren't letting us go. Finally, after talking them into taking us to the ship to get the $350.00 deductable , we get to the ship, and what we learned when we got there was that the port authority had been telling the ship that it would take $3000 to get us back, so guess what? Carnival was very supportive, and gave them the cash so the ship could sail. It was all a scam, and afterwards we learned that it happened all the time. We did pay Carnival the money back, but they were wonderful to us. Lesson we learned was to book any excursion from Carnival when on a cruise, not independently. An expensive lesson learned!!!