I know this question comes up often. I also know that my credit card will not cover liability on the island. What I am unsure of is whether we really need it. I've read (here and elsewhere) that the rental companies on the island are required to carry liability insurance that covers their clients for the maximum amount of liability permitted under Dutch and French law. My understanding is that this is $50,000. Can anyone confirm, unequivocally, that this is correct? I'm not looking for opinions here, but facts.

Edited to add that I have learned from a reliable source that liability insurance is not necessary. The rental companies do, in fact, carry it on all of their cars; if you purchase it, you're simply reimbursing them their cost, and it's not necessary for you to have it to cover yourself.