I would be very interested to know of a credit card that covers liability exposure for third party damage. I have never seen reference to one - not to say it doesn't exist but I would be interested in learning of such a card. Even if you have liability coverage, it will be for a set limit - it doesn't really do you a whole lot of good to know you have "liability coverage" unless you know the limits. Years ago, I thought I heard that a standard liability coverage for a st martin rental car was $50,000 - I think Lesley posted some information on this a while back. My wife is so risk averse that we usually are over insured, in my opinion.