Hi! When we were going to go to Bonaire, found out that car insurance can be a real bugger and that American Express offers good rental car coverage when your home one won't cover you (typically out of US). So, if your auto policy covers rental cars, no need for additional coverage? I have State Farm and they confirmed I'm covered in the USVI. Not all rental places take Am Ex so it would be nice to know if we needed it or not. Any car insurance experts out there?