I never got a good answer on liability coverage. It is my understanding that unlimited liability is required by law to be included in all rentals on the french side
I never got a good answer on rentals on the dutch side some agency will provide you with coverage for a additional daily fee but the limits on the coverage is 50000 dollars.
Hardly seems enough if a serious accident happen with personal injury . If you search old threads i started last year the response was 50000 is plenty of coverage in st martin people as law suits dont go for much money .

Hertz previously said they provide unlimited liability included with there daily rental fee.

Now if a french rental gets on a accident on the dutch side or vice a versa
I dont know how they determine liability limits or if there is limits you can claim in courts of each country

Your home car insurance policy or credit card insurance unlikely provide you with liability coverage

Almost make a good argument for taking taxis but having a car on the island is almost a necessity