Yes, I totally understand that. On a previous thread Scubaman stated that a friend paid a fee to AMEX and was able to get liability coverage. I was unable to find any info on which card that is. As HERTZ includes liability in their rates, on a post somewhere someone "implied" that all rental agencies have liability coverage, this was not recent, I can't find any proof that is true. The AMEX program sounded like a yearly fee. If you travel to the island 3-5 times a year that would be a great thing to have instead of paying a daily rate. Honestly I'm not even sure what the daily rates are! It just trying to research and get the scoop.