The negative kicker is Buddy Dive.....since the trucks are part of the full rental, and not a rental all by itself, it is not clear if AMEX covers the truck part of the full cost. In addition, if you are going to Buddy Dive with a group, then you are further insulated from the truck rental by whomever you gave money to for the trip, who then in turn paid Buddy Dive. I've not gotten any clear answer from AMEX when I asked about this, so I just pay the daily local insurance cost and write it off as part of the trip.