This issue has come up many times and I have never seen a good answer

Need to separate Collision from liability

Many credit cards will do collision I don't know any will do liability if the accident is your fault for the other vehicle or people in the vehicle

Carol I would check the trip insurance policy your purchasing as most likely only provides collision

As we know two Countries with French law and Dutch law
from what I could find French law mandates 1 million liability on any rental from rental provider
Dutch law i am not sure but may be limited to 50000

Kenny once answered a few years back that there really isn't suits like this in st martin which may coincide with GAKaye's answer
but i do never been able to get a answer on Dutch law
last I have no idea what happens when a Dutch car gets into a accident on French side do they need higher levels of protection as the right to sue seems to be allowed in French law