Thanks, Kennys. So this is unique to Dutch St. Martin, and not the Netherlands. Last year my son and his girlfriend rented a car in the Netherlands and he had full liability coverage with the rental car company. I have rented from Hertz on Airport Road in the past and have never been asked to purchase liability insurance on a rental car. They do ask if you would like supplemental insurance and/or a Collision Damage Waiver, but primary third-party Liability coverage was always included within their rental car agreements. To make sure I was remembering this correctly, I just went online and reserved a car for mid-October and this was still the case. Of course, they may build this into the rating structure of their rental fleet. Appreciate your input.