Forums39
Topics38,699
Posts312,848
Members26,573
|
Most Online2,218 Jan 21st, 2020
|
|
37 registered members (foreversxm, anet_scot, jbutah, hokiesailor, steve74, Kiles41, lcote, kajunlady61, MrEZgoin, IWIWSE, GaryB, dolfer, jagmansr, taraavo, jrw, JeanneB, George1234, ndfaninnc, VirginGordaResident, RickG, alecu7, knitsoftwear, Buddyhog, PML, Todd, NumberCruncher, MKGrey, 10 invisible),
1,340
guests, and 115
spiders. |
Key:
Admin,
Global Mod,
Mod
|
|
|
car rental Insurance
#173751
10/30/2018 08:03 PM
10/30/2018 08:03 PM
|
Joined: Oct 2018
Posts: 50 long island
eric
OP
Traveler
|
OP
Traveler
Joined: Oct 2018
Posts: 50
long island
|
I have read many threads about the different car rental companies in St. Martin. My question specifically is about the difference from renting from the French side versus the Dutch side.
I did email Kenny and asked about liability I was told for six dollars a day this would provide me with $50,000 worth of liability with a $750 deductible. I did check with my Visa and American Express cards they do not provide any liability coverage in the United States. My auto policy with Allstate also does not provide coverage out of the country it would seem to me that any serious accident $50,000 in liability coverage would not be sufficient.
It is my understanding and I may be incorrect on the French side the rental company must provide unlimited liability on all rentals. From people who do rent on the Dutch side what do you do about this liability issue.The other issue I found in investigating car rentals in Aruba that any accident that that did not involve another party "one way accident" was not covered so if you hit a pole or tree you are not covered under Dutch insurance law I did not know if the same thing applied in St. Martin
Also Kenny did tell me that he has a Toyota Corolla available with this car be able to hold five people
Last edited by eric; 10/30/2018 08:12 PM.
|
|
|
Re: car rental Insurance
[Re: SXMScubaman]
#173765
10/30/2018 10:06 PM
10/30/2018 10:06 PM
|
Joined: Jan 2018
Posts: 390
Uksimonusa
Traveler
|
Traveler
Joined: Jan 2018
Posts: 390
|
Trust me. You won't have any issues. Don't know of any rental companies that aren't locally owned. Even the ones that have national names are locally owned. Been renting from hertz sxm for 18 years with no issues. You be the judge. Always use Hertz and always get a white corolla, some have French Plates some have Dutch plates, never had an issue, although they don't have any corollas for our November trip, don't know what we will end up with!!
|
|
|
Re: car rental Insurance
[Re: SXMScubaman]
#173771
10/31/2018 05:27 AM
10/31/2018 05:27 AM
|
Joined: Mar 2001
Posts: 17,545 Ohio
ruralcarrier
Traveler
|
Traveler
Joined: Mar 2001
Posts: 17,545
Ohio
|
Trust me. You won't have any issues. Don't know of any rental companies that aren't locally owned. Even the ones that have national names are locally owned. Been renting from hertz sxm for 18 years with no issues. You be the judge. Several years ago we rented a car from Hertz for 3 days and then a "space wagon" for a week as we had more people coming. No problem returning the car but when it came time to return the wagon, Hertz (on SXM) tried to play the damage scam with me. Threatened me with making me miss my flight if I did not pay in cash, etc. Never again for me. There was no damage and I ended up paying nothing but I would not personally recommend them.
J.D.
|
|
|
Re: car rental Insurance
[Re: eric]
#173786
10/31/2018 08:43 AM
10/31/2018 08:43 AM
|
Joined: Mar 2007
Posts: 221 London,Ontario CDN
JMSH
Traveler
|
Traveler
Joined: Mar 2007
Posts: 221
London,Ontario CDN
|
I think people are missing my question I am sure the angency provides great services I am just worried if I have adequate liability coverage if I was sued in cas a accident I am sure all of us have much more then 50000 dollars of liability on our own car policy That amount seems totally inadequate . I am sure my credit cards are the same as most while they cover collision they don’t cover liability I understand what you mean......possibly something to think about is what is the law as it pertains to lawsuits in SXM? It certainly is possible that the right to sue is limited to $50,000? It certainly is possible that there is no right to sue for bodily injury?
|
|
|
Re: car rental Insurance
[Re: SXMScubaman]
#173818
10/31/2018 02:07 PM
10/31/2018 02:07 PM
|
Joined: Mar 2007
Posts: 221 London,Ontario CDN
JMSH
Traveler
|
Traveler
Joined: Mar 2007
Posts: 221
London,Ontario CDN
|
I think your putting to much emphasis of the liability insurance coverage. It's going to be the same whichever rental company you use on St Maarten. Difference will be in the cost of adding that insurance or if it's included in the bottomline price of the rental and the service you expect to have through that rental. I think your missing the point as to what the writers concern is......the price of the liability insurance is not the issue, his issue and concern is what limit of coverage should he/she be getting. If the car rental agency provides a $50,000 policy limit and he hits a pedestrian and is sued for $1,000,000 than the $50,000 policy limit is inadequate. My point to he/she is that it is possible, in some jurisdictions, that the "right" to pursue for personal injury might be limited based on the laws of the country he is in. It is possible that the max limit someone can be sued in SXM (French or Dutch side) might be limited to $50,000 and hence the limit of $50,000 would be sufficient. If I am mistaken about what his/her concern is I apologize.
|
|
|
Re: car rental Insurance
[Re: eric]
#173828
10/31/2018 03:06 PM
10/31/2018 03:06 PM
|
Joined: Mar 2007
Posts: 221 London,Ontario CDN
JMSH
Traveler
|
Traveler
Joined: Mar 2007
Posts: 221
London,Ontario CDN
|
If you have a accident and sued and have a large judgement against you with inadequate coverage I think you would not say that. It seems French law requires unlimited liability ins on rental cars as far as I understand Hertz does provide unlimited but I still had questions on the wording in there reply The Dutch side rental agency’s say check your credit card for coverage or they say they can offer you 50000 dollars of coverage in the States that is very little protection in a suit Just as a note, some states in the US limit the amount that you can be sued in a motor vehicle accident...….I know Florida has a max limit....if I recall from years ago I believe it was $50,000 and hence all insurer's in Florida have a max limit of $50,000...….it is those type things that you want to know in order to properly address your concern about what limit is enough....unfortunately it appears no one on this site has knowledge about that.
|
|
|
Re: car rental Insurance
[Re: SXMScubaman]
#173924
11/01/2018 10:43 AM
11/01/2018 10:43 AM
|
Joined: Mar 2005
Posts: 721 Colorado
sxmbeachlover
Traveler
|
Traveler
Joined: Mar 2005
Posts: 721
Colorado
|
Ditto what Scubaman has said. I have looked into this issue for decades. As far as I know, you have a choice of taking the "product" offered from the rental car company (liability insurance) or declining it. While I have rented from many different companies in SXM over the years, I think your best bet would be Hertz, since as it was stated, Hertz includes the liability insurance in their rates, which of course tend to be higher. If you go with a non-affiliated local company, I can tell you that in the past I have rented from Unity and their liability add on coverage was reasonable.
Famous Quote from SBHonline: The best moderation is the least moderation.
|
|
|
Re: car rental Insurance
[Re: eric]
#173970
11/01/2018 05:04 PM
11/01/2018 05:04 PM
|
Joined: Oct 2018
Posts: 50 long island
eric
OP
Traveler
|
OP
Traveler
Joined: Oct 2018
Posts: 50
long island
|
thanks for all the reply's yes
IS there some type of no fault in dutch law that limits your liability but then you will also be driving on the french side will dutch law protect you there it all comes down to if your comfortable with only 50000 liability
Does hertz really have unlimited liability or is it 50000 as other dutch rental agencies ( in there email to me they said unlimited as per jurisdiction that extra few words made it unclear to me)'
or rent from a french company where they have to give you unlimited liability as per french law
Last edited by eric; 11/01/2018 05:06 PM.
|
|
|
Re: car rental Insurance
[Re: eric]
#173989
11/01/2018 09:22 PM
11/01/2018 09:22 PM
|
Joined: Dec 2008
Posts: 2,106 Southport, North Carolina, US
candj
Traveler
|
Traveler
Joined: Dec 2008
Posts: 2,106
Southport, North Carolina, US
|
I have read many threads about the different car rental companies in St. Martin. My question specifically is about the difference from renting from the French side versus the Dutch side.
I did email Kenny and asked about liability I was told for six dollars a day this would provide me with $50,000 worth of liability with a $750 deductible. I did check with my Visa and American Express cards they do not provide any liability coverage in the United States. My auto policy with Allstate also does not provide coverage out of the country it would seem to me that any serious accident $50,000 in liability coverage would not be sufficient.
It is my understanding and I may be incorrect on the French side the rental company must provide unlimited liability on all rentals. From people who do rent on the Dutch side what do you do about this liability issue.The other issue I found in investigating car rentals in Aruba that any accident that that did not involve another party "one way accident" was not covered so if you hit a pole or tree you are not covered under Dutch insurance law I did not know if the same thing applied in St. Martin
Also Kenny did tell me that he has a Toyota Corolla available with this car be able to hold five people We always rent from Dollar/Thrifty and pay for the optional liability insurance for several million. There may be a limited liability on the Dutch side but there is unlimited liability on the French side. We travel a lot on both sides of the island and if we have an accident, I don't know when and where it will happen. So when people say there is a $50,000 liability cap, that may be fine on the Dutch side but not the French side.
Fair winds and following seas! SSN691-May She Ever Prowl The Seas in Defense of Human Freedom! SSN787-Preserving Peace, Prepared for War
|
|
|
Re: car rental Insurance
[Re: eric]
#174023
11/02/2018 09:07 AM
11/02/2018 09:07 AM
|
Joined: Oct 2018
Posts: 50 long island
eric
OP
Traveler
|
OP
Traveler
Joined: Oct 2018
Posts: 50
long island
|
Scubaman Maybe Hertz is doing right by you and when your on dutch side you have 50000 and unlimited when your on the French side. Maybe that's what they mean per jurisdiction.
It would be nice to know
Last edited by eric; 11/02/2018 09:09 AM.
|
|
|
Re: car rental Insurance
[Re: SXMScubaman]
#177541
12/09/2018 06:26 PM
12/09/2018 06:26 PM
|
Joined: Apr 2008
Posts: 2,985 Connecticut
The_Lurker
Traveler
|
Traveler
Joined: Apr 2008
Posts: 2,985
Connecticut
|
Only as reputable the rental company wants to be. You'd better hope it does get paid or your sol if you need it on a claim. We can only pay the extra and hope it does. It's on our receipts...... Just was curious how they do it....since there is always so many questions about it.
|
|
|
|