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RENTAL CAR LIABILITY INSURANCE #134427
07/05/2017 07:02 AM
07/05/2017 07:02 AM
Joined: Aug 2008
Posts: 92
Toronto
J
jupiter Offline OP
Traveler
jupiter  Offline OP
Traveler
J
Joined: Aug 2008
Posts: 92
Toronto
I know....another one.

I have been renting on SXM for 25 years and have been purchasing the $5/day liability insurance without question or concern.
Out of curiosity, I asked my Dutch side rental company about the cap on any claim and was shocked to learn that with my rental company it is only $50,000 USD.

Questions:
Is this low cap typical?
At home I carry $2,000,000 CAD.
Does anyone have knowledge of larger awards?
I cannot believe that this meager liability cap would be adequate if I were to cause a tour bus to flip or if I were to plow into a squad of lawyers on Front Street.

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Re: RENTAL CAR LIABILITY INSURANCE [Re: jupiter] #134428
07/05/2017 07:59 AM
07/05/2017 07:59 AM
Joined: Oct 2000
Posts: 12,460
île staten
Bobcat Offline
Traveler
Bobcat  Offline
Traveler
Joined: Oct 2000
Posts: 12,460
île staten
Try Hertz Sint Maarten
Basic insurance includes limited coverage up to USD 100,000 for medical expenses per person and up to USD 300,000 medical expenses per accident on bodily injury to persons other than the driver and up to USD 50,000 per accident on property damage to anything other than the Hertz vehicle.



You are responsible for a deductible of USD 400.00 if you are responsible for the accident.
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LINK

==============
It is important to understand that although referred to as
insurance, it isn’t really insurance at all – rather, the so called insurance arrangements are terms of your contract with the rental car company. The rental car company itself may be backed by its own insurers but this insurance cover, if it exists,does not extend directly to you.The protection you obtain from the rental contract is only as good as the ability of the rental car company to meet any claim. If the rental car company has few assets, in some circumstances that may leave you as the driver of the vehicle open to liability to third parties.It is a good idea to hire vehicles only from rental car companies that are obviously financially sound, and are more likely to be able to honor the insurance provisions of their contracts."


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Re: RENTAL CAR LIABILITY INSURANCE [Re: jupiter] #134429
07/05/2017 08:41 AM
07/05/2017 08:41 AM
Joined: Nov 2009
Posts: 3,278
Maryland/DC Metro
BeachKitten Offline
Traveler
BeachKitten  Offline
Traveler
Joined: Nov 2009
Posts: 3,278
Maryland/DC Metro
Quote
jupiter said:

if I were to cause a tour bus to flip or if I were to plow into a squad of lawyers on Front Street.


LOL! You really like to go big don't you?

I almost spit out my coffee! <img src="http://www.traveltalkonline.com/forums/images/graemlins/jester.gif" alt="" />


"It is good to do nothing all day, and then to rest" wink
Re: RENTAL CAR LIABILITY INSURANCE [Re: jupiter] #134430
07/05/2017 09:30 AM
07/05/2017 09:30 AM
Joined: Aug 2000
Posts: 1,372
Hershey, Pennsylvania
Tom Offline
Traveler
Tom  Offline
Traveler
Joined: Aug 2000
Posts: 1,372
Hershey, Pennsylvania
If it were possible to combine your possible actions, ie. "squad of lawyers on a tour bus", you may qualify for the Nobel Peace Prize.


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