We plan on renting a vehicle while on SJ. Our car insurance does not cover foreign travel. Thus far, I am not impressed with the coverage offered by the rental companies as most just seem to offer CDW with a high deductible with no or very little liability coverage. I have read that credit card companies offer coverage but my Discover and Bank of America just offer secondary CDW but at no cost. Our travel insurance coverage offers CDW only. My main concern is a liability claim. We have good Umbrella liability coverage and our insurance company is checking into how/if that would apply, any gaps in coverage, etc.
Does this mean that there are many drivers on SJ without adequate insurance coverage?
Other than finding an insurance company that offers foreign travel, which I really don't want to do, does anyone have suggestions?