Then, if that's the case it is unique to Dutch St. Maarten. I would suggest doing two things in this order: first, if renting a car on the Dutch side of SXM find an rental car agency that includes liability insurance with the cost of the rental. If you cannot find one, then get your rental car on French St. Martin. To me, this makes almost no sense whatsoever. How would you know what liability limits you would need? Would $50,000 per person/$100,000 per accident be sufficient? Or, would you opt for a combined single limit of $500,000? Or $1,000,000? Maybe someone like Kennys could lend us a hand here?