Too funny Todd!!!!

Yes, we know the law in France and we know the law in the Netherlands. It is up to each individual to decide if they are comfortable ASSUMING that there isn't some local law that doesn't override that. I'm not going to assume that ALL laws of either country apply exactly the same in their affiliates. I have no idea how those countries decide upon who has jurisdiction in each area. I'm thinking that there are other areas where the local law is different than that of France or the Netherlands so until I see a source in writing that applies to Sint Maarten and St. Martin I'm going to continue to pay these few $$ for liability insurance for my peace of mind. In the big scheme of things it is worth it TO ME. YMMV.