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Re: Liability Insurance - Rental Car
[Re: Todd]
#285914
07/11/2022 03:57 PM
07/11/2022 03:57 PM
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Joined: Mar 2004
Posts: 4,347 Vancouver, WA
Todd
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Posts: 4,347
Vancouver, WA
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Repeating myself from previous thread but have rented from six different companies on SXM and have not had a single issue and certainly no attempts to scam me. I would suggest to use the sponsors on this site to anybody that is wanting to be cautious on who to rent from.
I do decline the liability and my bank cards take care of the rest. T
I prefer the Isle seat
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Re: Liability Insurance - Rental Car
[Re: IslandBoi]
#285924
07/11/2022 07:35 PM
07/11/2022 07:35 PM
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Joined: Mar 2004
Posts: 4,347 Vancouver, WA
Todd
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Well, I can only answer that both Kenny's and AAA are known to be good, used to be some others like Unity that I liked but I don't know anything about the other two listed. The companies like Kenny's and AAA are known people that are very much liked, and they want to keep it that way and it is just in their good nature as well.
I prefer the Isle seat
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Re: Liability Insurance - Rental Car
[Re: IslandBoi]
#285940
07/12/2022 09:03 AM
07/12/2022 09:03 AM
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Joined: Aug 2000
Posts: 83,601 Central Florida!
Carol_Hill
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IslandBoi--I would invite you check out some other internet sites, in which criticism of any sponsor is swiftly removed and any negative comments regarding the island in general likewise seem to disappear. People are free to make their own decisions about sponsors and about the island itself, without automatic removal of any negative comments.
Carol Hill
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Re: Liability Insurance - Rental Car
[Re: bdeeley]
#286021
07/14/2022 09:33 AM
07/14/2022 09:33 AM
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Joined: Aug 2000
Posts: 83,601 Central Florida!
Carol_Hill
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I have a much longer fuse than other boards, but if you want this thread to get locked also, keep going.
Carol Hill
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Re: Liability Insurance - Rental Car
[Re: murphycpcu]
#286045
07/14/2022 03:39 PM
07/14/2022 03:39 PM
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Joined: Mar 2009
Posts: 19,198 Auburn, WA
SXMScubaman
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Posts: 19,198
Auburn, WA
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I received a quote from Kenny's. It included a charge for liability. Are you able to opt out with Kenny? Should be included in base price like Hertz and a few others do.
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Re: Liability Insurance - Rental Car
[Re: Todd]
#286067
07/14/2022 11:28 PM
07/14/2022 11:28 PM
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Joined: Sep 2001
Posts: 194
Compskier
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You should double check that. Credit cards will often cover damage to your rental car vehicle but NOT liability to damage to others. It depends on your specific credit card, but I have never seen a credit card that will cover liabiliy. Please read the fine print...
Ed
Last edited by Compskier; 07/14/2022 11:30 PM.
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Re: Liability Insurance - Rental Car
[Re: Todd]
#286068
07/15/2022 01:59 AM
07/15/2022 01:59 AM
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Joined: Mar 2007
Posts: 539 Sugar Land, Tx
IslandBoi
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so to recap...all car rentals in SXM must include liability coverage (ie. damage to OTHER vehicles) even if you refuse to pay extra for it, per the site linked to by Todd in the first post: By law, all cars have liability insurance, so you are being lied to that you have to pay for it.and some credit cards, like the Chase Sapphire card, will pay for the CDW (ie. damage or theft of YOUR vehicle): https://cardbenefits.chase.com/chase-sapphire-preferred/auto-rental-collision-damage-waiverglad this is completely settled once and for all /s
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Re: Liability Insurance - Rental Car
[Re: SXMBND]
#286074
07/15/2022 07:53 AM
07/15/2022 07:53 AM
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Joined: Jul 2006
Posts: 13,464 Peaceful Eastern North Carolin...
GaKaye
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Maybe one of the sponser rental company's will chime in and clear up any questions???
That's been done in the past, with ambiguous and less than honest answers. Todd's link gives accurate information, which I and others have confirmed with respected island business persons. Because of possible repercussions from the ones who are taking advantage of uninformed tourists, those persons asked me to not reveal their names, and I will respect that.
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Re: Liability Insurance - Rental Car
[Re: GaKaye]
#286087
07/15/2022 09:55 AM
07/15/2022 09:55 AM
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Joined: Jan 2015
Posts: 721 South Coast of MA
SXMBND
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South Coast of MA
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Maybe one of the sponser rental company's will chime in and clear up any questions???
That's been done in the past, with ambiguous and less than honest answers. Todd's link gives accurate information, which I and others have confirmed with respected island business persons. Because of possible repercussions from the ones who are taking advantage of uninformed tourists, those persons asked me to not reveal their names, and I will respect that. I wouldn't want to have to rely on Todd's post in court. Out of all the sponsors no one is willing to give what should be a simple interpretation of what the current law is?????
Last edited by SXMBND; 07/15/2022 10:00 AM.
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Re: Liability Insurance - Rental Car
[Re: CaribLee]
#286088
07/15/2022 10:01 AM
07/15/2022 10:01 AM
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Joined: Jan 2015
Posts: 721 South Coast of MA
SXMBND
Traveler
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Traveler
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Posts: 721
South Coast of MA
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GaKaye......can you tell us specifically what your respected island business persons said about rental car liability insurance. Thanks. X2
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Re: Liability Insurance - Rental Car
[Re: Compskier]
#286099
07/15/2022 10:44 AM
07/15/2022 10:44 AM
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Joined: Mar 2009
Posts: 19,198 Auburn, WA
SXMScubaman
Traveler
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Posts: 19,198
Auburn, WA
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You should double check that. Credit cards will often cover damage to your rental car vehicle but NOT liability to damage to others. It depends on your specific credit card, but I have never seen a credit card that will cover liabiliy. Please read the fine print...
Ed Always check with your CC company as many have done away with CDW coverage.
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Re: Liability Insurance - Rental Car
[Re: SXMScubaman]
#286100
07/15/2022 11:18 AM
07/15/2022 11:18 AM
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Joined: Mar 2020
Posts: 875 Ontario Canada
Whale Tail
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Ontario Canada
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You should double check that. Credit cards will often cover damage to your rental car vehicle but NOT liability to damage to others. It depends on your specific credit card, but I have never seen a credit card that will cover liabiliy. Please read the fine print...
Ed Always check with your CC company as many have done away with CDW coverage. My credit card stopped covering CDW for me once I reached 65, so now we rent the car with my wife's credit credit card. Don't know what we'll do when she reaches 65.
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Re: Liability Insurance - Rental Car
[Re: SXMBND]
#286106
07/15/2022 12:27 PM
07/15/2022 12:27 PM
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Joined: May 2004
Posts: 1,197 Virginia
Snorkeller
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One problem in my opinion is that there is no really simple answer to a very broad and vague question such as "Am I covered by third party liability insurance for any risk when driving my rental car on the island when I have refused to purchase the "optional" liability and the rental car company is implying that without purchasing it, I do not have any third party liability insurance covering me when driving my rental car?"
Dutch and French law requires that a rental car have third party liability insurance - the rental car companies MUST have it on their cars, even if the "optional" insurance is not purchased by the renter of the car. Now, does that eliminate any questions? Not for me. I am uncertain about whether there can be exclusions from the required coverage, questions about deductibles, and questions about whether rental car company (or its insurer) can shift liability from insurance on car to driver with contractual language or the facts of a particular situation. The obvious starting point is a careful review of the contract you sign with the rental car company.
If I really cared enough or was curious enough, I probably would engage an island attorney to get me a precise answer to the questions I might have - but I do not care enough to pay for it and neither do I care enough to ask to get an answer for free.
As a practical matter, I do not think it necessary to purchase the optional third party liability insurance, but my wife, whose picture is in the dictionary next to "risk-averse," often likes to buy it even knowing that it may simply be a gift to our favorite rental car guy.
With regard to CDW, just get a credit card that covers the CDW for renting a car on the island. Many of the cards I have had, even some supposedly good cards, have stopped providing it. As of now, I have a IHG card that still provides it, but I will check again before next trip. .
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Re: Liability Insurance - Rental Car
[Re: Kennys]
#286107
07/15/2022 12:28 PM
07/15/2022 12:28 PM
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Joined: Mar 2007
Posts: 539 Sugar Land, Tx
IslandBoi
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Posts: 539
Sugar Land, Tx
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For our Company that has been in operation since January 1996 , liability insurance is optional @ $ 6.00 per day .... Kennys, just to clarify, you believe the article linked to in Todd’s post is inaccurate regarding its claim that by law all vehicles in SXM must have LIABILITY coverage ? …so one can choose to decline paying extra for liability coverage, so will then be driving a vehicle with no liability coverage, legally?
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Re: Liability Insurance - Rental Car
[Re: Snorkeller]
#286110
07/15/2022 12:44 PM
07/15/2022 12:44 PM
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Joined: Aug 2000
Posts: 83,601 Central Florida!
Carol_Hill
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Posts: 83,601
Central Florida!
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Snorkeller--I think my picture is right next to your wife's in the "risk-adverse" dictionary. Let's just say that companies are required to have the insurance, just for argument's sake. And let's just say that, somehow the car rental guy didn't get around to paying his bills this month and the insurance gets cancelled, for whatever reason. What then? Don't know. For St. Maarten, the past couple of trips, my trip insurance had a car insurance rider in the policy. I'd a lot rather trust THAT insurance than one from the car rental guys, if worse came to worse.
Carol Hill
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Re: Liability Insurance - Rental Car
[Re: Snorkeller]
#286121
07/15/2022 02:16 PM
07/15/2022 02:16 PM
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Joined: Aug 2000
Posts: 83,601 Central Florida!
Carol_Hill
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Posts: 83,601
Central Florida!
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Snorkeller--yes, we're fine. Just adopted a new pound puppy. Picture is in the general photo gallery.
Carol Hill
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Re: Liability Insurance - Rental Car
[Re: murphycpcu]
#286129
07/15/2022 03:34 PM
07/15/2022 03:34 PM
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Joined: Mar 2004
Posts: 4,347 Vancouver, WA
Todd
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Posts: 4,347
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I honestly don't know with Kenny's, have never rented from him. I am not an attorney, nor an insurance expert and I did not stay at a Holiday Inn Express last night so my opinion is what it is.
Kenny, not sure about your response and if it is a clear answer. Do you require people to take the liability insurance and if so why would that not be included into the rate quoted? Again, may be, have not rented from you. I would think that since you own the car and if the person(renter) that causes the issue is not insured that you would have some liability if not all of it if they skip town. Is the liability different than the comprehensive that you are listing?
I do like the response that listed something about at worse you are giving $6 a day to your favorite rental person, and while I write this I did throw up just a little bit into my mouth as I state that I would have to give Hertz some credit for stating that it is included in their rate. Scoob, wipe that smile off your face!
This issue us worse than the "adding tip to the bill" debate although I am very comfortable with my stance on that. 127 days until I have to deal with these first world problems, probably going to take a few rum punches to ease my mind.
Cheers, T
I prefer the Isle seat
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