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Liability Insurance
#209613
11/22/2019 07:27 AM
11/22/2019 07:27 AM
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Joined: Jul 2006
Posts: 13,297 Peaceful Eastern North Carolin...
GaKaye
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OP
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Posts: 13,297
Peaceful Eastern North Carolin...
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I know this question comes up often. I also know that my credit card will not cover liability on the island. What I am unsure of is whether we really need it. I've read (here and elsewhere) that the rental companies on the island are required to carry liability insurance that covers their clients for the maximum amount of liability permitted under Dutch and French law. My understanding is that this is $50,000. Can anyone confirm, unequivocally, that this is correct? I'm not looking for opinions here, but facts.
Edited to add that I have learned from a reliable source that liability insurance is not necessary. The rental companies do, in fact, carry it on all of their cars; if you purchase it, you're simply reimbursing them their cost, and it's not necessary for you to have it to cover yourself.
Last edited by GaKaye; 11/22/2019 11:16 AM.
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Re: Liability Insurance
[Re: GaKaye]
#209635
11/22/2019 11:15 AM
11/22/2019 11:15 AM
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Joined: Jul 2006
Posts: 13,297 Peaceful Eastern North Carolin...
GaKaye
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OP
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Joined: Jul 2006
Posts: 13,297
Peaceful Eastern North Carolin...
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I have learned from a reliable source that liability insurance is not necessary. The rental companies do, in fact, carry it on all of their cars; if you purchase it, you're simply reimbursing them their cost, and it's not necessary for you to have it to cover yourself. I probably should have edited my original post. This is the answer.
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Re: Liability Insurance
[Re: Kennys]
#209660
11/22/2019 04:57 PM
11/22/2019 04:57 PM
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Joined: Mar 2009
Posts: 18,064 Auburn, WA
SXMScubaman
Traveler
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Traveler
Joined: Mar 2009
Posts: 18,064
Auburn, WA
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So you Folks are saying that a Company that has cover it's total cost and expenses must give this a free to it's clients ? Companies have to also cover some of their cars with Comprehensive insurance , hence also offer this for free . You wouldn't know the thousand of dollars that companies has to spend every year to cover their cost of operation. So your saying your rental price includes liability but you don't bother to inform the renter and charge extra for it. Wow.
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Re: Liability Insurance
[Re: Kennys]
#209663
11/22/2019 06:05 PM
11/22/2019 06:05 PM
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Joined: Feb 2019
Posts: 715
bran
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Traveler
Joined: Feb 2019
Posts: 715
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Sir , liability insurance is optional @ $ 6.00 per day . Think we know this BUT what most would like to know and has actually not been answered in such a manner that its absolutely clear. If one is in an accident that involves the liability part as some seem to think that liability is generally included by most renters (but if you pay extra you are paying for nothing as one is covered anyway) will one be totally covered? fwiw, I don't think so, as apart from Hertz ,I feel pretty sure the small print will tell you differently, therefore if you want total coverage you cough up. The way its been perceived by some here, is that they wont tell you they already have coverage included, you just dont know it. So which is it pls?
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Re: Liability Insurance
[Re: MotownTim]
#209674
11/22/2019 08:39 PM
11/22/2019 08:39 PM
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Joined: Jul 2006
Posts: 13,297 Peaceful Eastern North Carolin...
GaKaye
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Peaceful Eastern North Carolin...
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Georgia, I guess my question is will you feel 100% comfortable not paying for liability insurance now? I’m not sure I will. Tim, I do. We haven't paid the additional fee for liability insurance for years. Of course, you should do what makes you feel comfortable!
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Re: Liability Insurance
[Re: GaKaye]
#209679
11/22/2019 09:54 PM
11/22/2019 09:54 PM
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Joined: Jan 2008
Posts: 13,119 Ottawa, Ontario, Canada
islandgem
Traveler
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Traveler
Joined: Jan 2008
Posts: 13,119
Ottawa, Ontario, Canada
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I have been told if you pay for liability insurance, you are covered for $50,000. If you do not get liability you are covered for $0. I choose to be covered.
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Re: Liability Insurance
[Re: Kennys]
#209681
11/23/2019 12:38 AM
11/23/2019 12:38 AM
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Joined: Mar 2009
Posts: 18,064 Auburn, WA
SXMScubaman
Traveler
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Traveler
Joined: Mar 2009
Posts: 18,064
Auburn, WA
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Sir please ask the company that you are dealing with on this. Thanks. I am asking you. If I rent from you is liability included if I don't pay extra and don't decline. Simple question for a yes or no answers.
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Re: Liability Insurance
[Re: islandgem]
#209682
11/23/2019 12:40 AM
11/23/2019 12:40 AM
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Joined: Mar 2009
Posts: 18,064 Auburn, WA
SXMScubaman
Traveler
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Traveler
Joined: Mar 2009
Posts: 18,064
Auburn, WA
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I have been told if you pay for liability insurance, you are covered for $50,000. If you do not get liability you are covered for $0. I choose to be covered. You might be covered anyway if you add it or not the way it is being discussed.
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Re: Liability Insurance
[Re: Tom]
#209694
11/23/2019 08:35 AM
11/23/2019 08:35 AM
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Joined: Mar 2001
Posts: 17,190 Ohio
ruralcarrier
Traveler
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Traveler
Joined: Mar 2001
Posts: 17,190
Ohio
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People need to regularly check their personal credit cards as some have discontinued rental comprehensive coverage all together, with Discover Card being one of them.
J.D.
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Re: Liability Insurance
[Re: ruralcarrier]
#209698
11/23/2019 08:41 AM
11/23/2019 08:41 AM
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Joined: May 2002
Posts: 5,125
Kennys
Traveler
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Traveler
Joined: May 2002
Posts: 5,125
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Re: Liability Insurance
[Re: islandgem]
#209700
11/23/2019 08:54 AM
11/23/2019 08:54 AM
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Joined: Jul 2006
Posts: 13,297 Peaceful Eastern North Carolin...
GaKaye
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OP
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Joined: Jul 2006
Posts: 13,297
Peaceful Eastern North Carolin...
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I have been told if you pay for liability insurance, you are covered for $50,000. If you do not get liability you are covered for $0. I choose to be covered. I have been told otherwise. I've been told I'm covered for $50,000 whether I pay the extra or not, because the rental company is required by law to carry it. Again, as I said to Tim, each of us needs to do what makes us comfortable; I'm comfortable not paying extra for something that's already included. Kind of like tipping on the French side (not to open another can of worms...)
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Re: Liability Insurance
[Re: GaKaye]
#209704
11/23/2019 09:41 AM
11/23/2019 09:41 AM
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Joined: Mar 2001
Posts: 17,190 Ohio
ruralcarrier
Traveler
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Traveler
Joined: Mar 2001
Posts: 17,190
Ohio
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The key, whenever you travel, is to educate yourself on the laws and customs of your destination. Correct, just like the previously mentioned tipping/service charge on the French side.
J.D.
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Re: Liability Insurance
[Re: SXMScubaman]
#209726
11/23/2019 01:51 PM
11/23/2019 01:51 PM
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Joined: Jun 2008
Posts: 2,664
LBI2SXM
Traveler
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Traveler
Joined: Jun 2008
Posts: 2,664
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Sir please ask the company that you are dealing with on this. Thanks. I am asking you. If I rent from you is liability included if I don't pay extra and don't decline. Simple question for a yes or no answers. Waiting for Kenny's answer to Scubaman.
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Re: Liability Insurance
[Re: weeks5051]
#209733
11/23/2019 04:06 PM
11/23/2019 04:06 PM
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Joined: Mar 2004
Posts: 4,210 Vancouver, WA
Todd
Traveler
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Traveler
Joined: Mar 2004
Posts: 4,210
Vancouver, WA
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Then you have to comply with German law unless the car is made in a French or Dutch country. Note that any tip then is not included.
I prefer the Isle seat
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