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[Irine]

You also have to remember that travel insurance policies say you are covered for accident insurance provided you are in a licenced transportation service. If you are out with a "friend", driving around and not in a licenced red plate, and heaven forbid there's an accident your medical care will be at the mercy of the Jamaican insurance provider. That's not a pretty picture. I have dealt with Jamaican insurance and it's pretty much "yeah, you have no coverage. Let us know how it work out for you".

P/S was in Duluth for the airshow in June. Duluth might be the most beautiful city in all the USA.

Thanks for good advice, food for thought for sure. We do love living in Duluth, it is beautiful here for sure. We spend a lot of our time out in our boat.