so to recap...all car rentals in SXM must include liability coverage (ie. damage to OTHER vehicles) even if you refuse to pay extra for it, per the site linked to by Todd in the first post: By law, all cars have liability insurance, so you are being lied to that you have to pay for it.

and some credit cards, like the Chase Sapphire card, will pay for the CDW (ie. damage or theft of YOUR vehicle): https://cardbenefits.chase.com/chase-sapphire-preferred/auto-rental-collision-damage-waiver

glad this is completely settled once and for all /s