Scotty, please research the laws regarding liability insurance in SXM. The rental agency is required by law to have liability coverage, and that covers their clients. If you purchase the liability coverage from the rental agency, you are simply reimbursing them, or perhaps even overpaying them, for the coverage they already have. You are not getting any additional protection. It's your choice if you choose to "purchase liability insurance"; but you should know that you really aren't purchasing anything. I know many will argue with me about this, but I have verified it with a very trusted source.
Also, the Citibank AAdvantage Executive World Elite MasterCard covers collision and theft of a rental car in a foreign country.
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