Yes you do. Currently Island Car Rental does not have any agreements with credit card companies; and as a result you would be required to do a security deposit. Based on the renter’s credit card’s car rental insurance policy, the renter would decide whether they take Island Car Rental’s optional CDW. In the case of a collision or any damages to the rental vehicle, Island Car would charge the renter directly. All documentation related to the incident would be made available to the renter via fax or email. Island Car Rental, doesn’t not deal directly with Credit Card Company’s insurance.