So hubby and I are coming down to SXM next month and are bringing some of our friends for the first time. We are renting a car, as we usually do. We usually use our credit card that covers the CDW insurance coverage. This time we are adding on our friends as additional drivers and are considering just buying the liability and the CDW insurance coverage through the rental car company.

Our thought is that at least if something happens to the vehicle, we won’t have to worry about it being under my husband’s credit card and having to pay for the damages especially if he isn’t the person driving it and then having to deal with the claim ourselves when we get home. With purchasing both insurances through the rental car company, do they just take care of everything if there is a problem?