going to bonaire next week and have been reading about all the problems with theft of spare tires,etc with rental-contacted visa and they do not have coverage for trucks-that is what they rent most of in bonaire-is there any way around this besides renting car vs. truck or taking theft/collision coverage on the vehicle?

Rent a minivan - not as easy as a truck, but way more funky, and you are likely to be covered by yr credit card ( check first, of course, and TAKE NAMES)