diff --git a/TODO.md b/TODO.md
index bf0d08a..3907b9d 100644
--- a/TODO.md
+++ b/TODO.md
@@ -17,8 +17,8 @@ Open items before and during the trip. Tick and date when done.
   See [`flights-ms.md`](bookings/transport/flights-ms.md).
 - [x] **MS: move today's SIXT pickup after the flight delay** — completed;
   booking `9739014160` now shows 2:00 PM PDT pickup and 2026-10-05 1:30 PM PDT return.
-- [ ] **MS: have SIXT add LK as a permitted driver in writing before LK drives.**
-  The active rental agreement currently lists MS only.
+- [ ] **MS: have SIXT add LK as a permitted driver in writing before LK drives, for ICBC RoadStar coverage.**
+  AmEx covers LK as a secondary driver whether or not she is listed; the active rental agreement currently lists MS only.
 - [ ] **LK: confirm Budget LAX pickup/return location and price** —
   itinerary `73544810702403`. Hertz cancellation refund also TBC.
 - [ ] **Brand Plaza Glendale** room, price and payment TBC.
diff --git a/bookings/transport/car-rental.md b/bookings/transport/car-rental.md
index b0c0b7b..ab6bc5a 100644
--- a/bookings/transport/car-rental.md
+++ b/bookings/transport/car-rental.md
@@ -27,11 +27,11 @@
 ## Insurance summary — user-confirmed 2026-09-21
 
 - **ICBC:** Basic insurance, CA$5 million liability, collision (CA$1,000 deductible), comprehensive (CA$300 deductible / CA$200 windshield), and active RoadStar; MS and LK are listed drivers.
-- **RoadStar for this rental:** up to CA$1 million rental liability; rental damage/theft with CA$300 deductible; loss of use up to CA$250.
-- **AmEx Cobalt:** MS's card paid SIXT. Eligible rental theft/damage coverage has no deductible; it does not cover third-party liability or injuries. The 2026 Chevrolet Traverse is below the CA$85,000 MSRP limit.
-- **Driver condition:** LK must be added to the SIXT agreement in writing before driving.
+- **ICBC RoadStar for this rental:** up to CA$1 million rental liability; rental damage/theft with CA$300 deductible; loss of use up to CA$250. ICBC requires LK to be shown or included as a permitted driver on the rental contract; the current agreement lists MS only.
+- **AmEx Cobalt / MS's card:** eligible rental theft/damage coverage has no deductible. AmEx covers secondary drivers whether or not listed; LK qualifies as a spouse/authorized driver under California law. AmEx does not cover third-party liability or injuries. The 2026 Chevrolet Traverse is below the CA$85,000 MSRP limit.
+- **Liability:** RoadStar only; AmEx provides none.
 
-**Driver action:** have SIXT add LK as a permitted driver in writing before she drives. She should bring her valid physical licence and photo ID.
+**ICBC driver action:** have SIXT add LK as a permitted driver in writing before she drives. She should bring her valid physical licence and photo ID.
 
 **Latest status (2026-09-20):** MS collected the Chevrolet Traverse at 13:50 PDT. The agreement lists no additional driver. See [the earlier status email](../../sources/transport/2026-09-20_SIXT_Checkin_Status.md).