Traveltalkonline.com Forums


SXM Cruise Schedule TTOL Sponsors SXM Travel Calendar
Forum Statistics
Forums39
Topics36,269
Posts288,555
Members26,300
Most Online2,218
Jan 21st, 2020
Top Posters(30 Days)
Colour1 54
MIDiver 36
Zanshin 32
Manpot 29
Member Spotlight
kneafseym
kneafseym
Somewhere out there
Posts: 3,221
Joined: October 2000
Show All Member Profiles 
Today's Birthdays
No Birthdays
Who's Online Now
61 registered members (dolfer, deliveryskipper, BeachcomberPT, jbutah, Rbailey, Fletch, CdnCouple, Kennys, VirginGordaResident, michaelj, cabokid, road3682, John, jagmansr, BillDauterive, davidandsusannj, Charkey2, reddoglady, IWIWSE, ydrwrb1, LINNY, cvo, OllieEh, Michael Gadilhe, JohnB, eightzerobits, socamon, Mikel, KirkB, KC2SXM, mark37, PML, GettinBye, skipdastraw, Jaybird, duckfat, snuba, nevar37, xrayman67, debnken, luvtotravel, 20 invisible), 140 guests, and 83 spiders.
Key: Admin, Global Mod, Mod
Previous Thread
Next Thread
Print Thread
Rate Thread
Page 2 of 2 1 2
Re: Liability Insurance - Rental Car [Re: Carol_Hill] #286133
07/15/2022 03:40 PM
07/15/2022 03:40 PM
Joined: Apr 2008
Posts: 2,804
Connecticut
The_Lurker Offline
Traveler
The_Lurker  Offline
Traveler
Joined: Apr 2008
Posts: 2,804
Connecticut
Originally Posted by Carol_Hill
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, what trip insurance is that?
That will save some of us the worries and the money.

SXM Sponsors
Re: Liability Insurance - Rental Car [Re: SXMBND] #286135
07/15/2022 03:54 PM
07/15/2022 03:54 PM
Joined: Jul 2006
Posts: 13,117
Peaceful Eastern North Carolin...
GaKaye Offline
Traveler
GaKaye  Offline
Traveler
Joined: Jul 2006
Posts: 13,117
Peaceful Eastern North Carolin...
Originally Posted by SXMBND
Originally Posted by CaribLee
GaKaye......can you tell us specifically what your respected island business persons said about rental car liability insurance. Thanks.



X2


"...... every company has liability insurance on the cars. Some companies require you to take it but you are just reimbursing them even though they don't tell you that.

Hope this helps and an FYI there really is no personal liability lawsuits on SXM (at least on the Dutch side) because it's not a recognized right to sue. "



Re: Liability Insurance - Rental Car [Re: GaKaye] #286137
07/15/2022 04:06 PM
07/15/2022 04:06 PM
Joined: May 2007
Posts: 906
C
CaribLee Offline
Traveler
CaribLee  Offline
Traveler
C
Joined: May 2007
Posts: 906
Thanks for the info. This was my understanding but was never able to confirm.

Re: Liability Insurance - Rental Car [Re: Carol_Hill] #286139
07/15/2022 04:16 PM
07/15/2022 04:16 PM
Joined: Jul 2008
Posts: 228
M
MrWhiskerssammy Offline
Traveler
MrWhiskerssammy  Offline
Traveler
M
Joined: Jul 2008
Posts: 228
I would love to know who that insurance company is, if you don't mind saying. I think it is a great addition and would buy from them as well. Having that extra piece of mind is money well spent.

Re: Liability Insurance - Rental Car [Re: The_Lurker] #286147
07/15/2022 06:01 PM
07/15/2022 06:01 PM
Joined: Aug 2000
Posts: 79,707
Central Florida!
Carol_Hill Offline
Traveler
Carol_Hill  Offline
Traveler
Joined: Aug 2000
Posts: 79,707
Central Florida!
I don't really remember the name of the company we have booked through the past couple of years, but we just go to Insure my Trip here on TTOL and look for comprehensive trip insurance and some of them provide car insurance as part of the quote.


Carol Hill
Re: Liability Insurance - Rental Car [Re: Todd] #286148
07/15/2022 06:05 PM
07/15/2022 06:05 PM
Joined: May 2002
Posts: 4,780
Kennys Online content
Traveler
Kennys  Online Content
Traveler
Joined: May 2002
Posts: 4,780
Todd I said what I have stated over and over again.
Noting is free in life .

Re: Liability Insurance - Rental Car [Re: Todd] #286151
07/15/2022 06:52 PM
07/15/2022 06:52 PM
Joined: Oct 2018
Posts: 50
long island
E
eric Offline
Traveler
eric  Offline
Traveler
E
Joined: Oct 2018
Posts: 50
long island
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

Re: Liability Insurance - Rental Car [Re: Kennys] #286152
07/15/2022 07:36 PM
07/15/2022 07:36 PM
Joined: Mar 2009
Posts: 16,837
Auburn, WA
SXMScubaman Offline
Traveler
SXMScubaman  Offline
Traveler
Joined: Mar 2009
Posts: 16,837
Auburn, WA
Originally Posted by Kennys
Todd I said what I have stated over and over again.
Noting is free in life .

Then why don't you just quote a price and not show the liability as a separate line cost that is already included?

Re: Liability Insurance - Rental Car [Re: eric] #286155
07/15/2022 07:58 PM
07/15/2022 07:58 PM
Joined: May 2002
Posts: 4,780
Kennys Online content
Traveler
Kennys  Online Content
Traveler
Joined: May 2002
Posts: 4,780
Right now we are waiting on $ 800.00 from the French side Insurance company after a Tourist rented a car from the Dutch Car Rental Company that hit our Audi Q 3 2021 and that Company has French side insurance .Going over two months . Speaks for itself .

Re: Liability Insurance - Rental Car [Re: Kennys] #286156
07/15/2022 08:32 PM
07/15/2022 08:32 PM
Joined: Mar 2009
Posts: 16,837
Auburn, WA
SXMScubaman Offline
Traveler
SXMScubaman  Offline
Traveler
Joined: Mar 2009
Posts: 16,837
Auburn, WA
Originally Posted by Kennys
Right now we are waiting on $ 800.00 from the French side Insurance company after a Tourist rented a car from the Dutch Car Rental Company that hit our Audi Q 3 2021 and that Company has French side insurance .Going over two months . Speaks for itself .

What's that got to do with charging extra for liability?

Re: Liability Insurance - Rental Car [Re: SXMScubaman] #286157
07/15/2022 08:58 PM
07/15/2022 08:58 PM
Joined: May 2002
Posts: 4,780
Kennys Online content
Traveler
Kennys  Online Content
Traveler
Joined: May 2002
Posts: 4,780
He had liability insurance and no one can tell me how to operate our business .

Re: Liability Insurance - Rental Car [Re: The_Lurker] #286158
07/15/2022 08:59 PM
07/15/2022 08:59 PM
Joined: Jun 2009
Posts: 4,521
Portland, OR
jazzgal Offline
Traveler
jazzgal  Offline
Traveler
Joined: Jun 2009
Posts: 4,521
Portland, OR
Originally Posted by The_Lurker
Carol, what trip insurance is that? That will save some of us the worries and the money.


I don't know of any insurance policy that covers liability insurance on a rental but would welcome hearing about one; that's why I rent from Hertz even though they aren't as friendly as other companies. I have an annual travel policy with Allianz (AllTrips Prime Plan) that does cover CDW. From the policy:

IMPORTANT: This coverage does not provide bodily injury and property damage liability insurance and does not comply with any financial responsibility law or any other law mandating motor vehicle coverage.

If your rental car is stolen or damaged during the scheduled rental period and while on your trip, we will pay you the lesser of the following, up to the maximum benefit listed for Rental Car Damage and Theft Coverage on your Declarations:

i. The reasonable and customary costs to repair the rental car, including reasonable charges for loss of use imposed by the owner of the rental car while the rental car is being repaired; or 101-P-OR-1000.04-2017 16

ii. The actual cash value of the rental car, less its reasonable salvage value.

The following conditions apply:

a. If the rental car is damaged while being operated, the driver at the time the damage occurs must be listed on the rental car agreement;

b. You must file a report with the rental car company, either within 24 hours of the loss or damage or when you return the rental car (whichever comes first); and

c. If the rental car is stolen, you must promptly notify the police.

You are not covered for any loss that results directly or indirectly from any of the following specific exclusions:

1. Any obligation you assume under any agreement, (e.g. you pay for the car rental agency’s supplemental insurance), except a collision or comprehensive deductible for your primary insurance;

2. Violating the rental car agreement;

3. Leases or rentals for 46 consecutive days or longer; [JAZZGAL comment: this is an added bonus as my credit card covers only 30 days of CDW]

4. Diminution in value of a rental car;

5. Mechanical breakdown or ordinary wear and tear; or

6. Rental cars rented or driven in Jamaica.

IMPORTANT: Please refer to your Declarations to confirm your policy includes this coverage, and if so, the applicable limit.


[Linked Image]
Re: Liability Insurance - Rental Car [Re: SXMScubaman] #286160
07/15/2022 09:40 PM
07/15/2022 09:40 PM
Joined: Jan 2012
Posts: 116
Allentown, Pa
B
bobbarb Offline
Traveler
bobbarb  Offline
Traveler
B
Joined: Jan 2012
Posts: 116
Allentown, Pa
7 or 8 years ago I was involved in a small accident in the parking lot behind Orient beach and I didn’t pay for liability insurance and it was settled. I and the beer truck driver both thought it was the others fault. It was resolved with no cost to me and my understanding no cost to the truck driver. While the damage was not significant busted mirror and some scratches and scrapes on the trucks bumper. My rental car company which closed after the hurricane, Francine’s said the insurance company’s will handle it.

Re: Liability Insurance - Rental Car [Re: Kennys] #286164
07/15/2022 10:44 PM
07/15/2022 10:44 PM
Joined: Mar 2009
Posts: 16,837
Auburn, WA
SXMScubaman Offline
Traveler
SXMScubaman  Offline
Traveler
Joined: Mar 2009
Posts: 16,837
Auburn, WA
Originally Posted by Kennys
He had liability insurance and no one can tell me how to operate our business .

I'm not suggesting to you how to operate your business. Just wondering why you aren't up front with this liability charge on your rentals.

Re: Liability Insurance - Rental Car [Re: Todd] #286165
07/16/2022 05:53 AM
07/16/2022 05:53 AM
Joined: Jul 2006
Posts: 13,117
Peaceful Eastern North Carolin...
GaKaye Offline
Traveler
GaKaye  Offline
Traveler
Joined: Jul 2006
Posts: 13,117
Peaceful Eastern North Carolin...
I think the upshot of this conversation is that each of us needs to do what makes us comfortable. If you choose to pay extra for what is likely not additional coverage, that's your choice. We are comfortable renting from AAA ( a French company, BTW), and not paying extra for liability insurance.

If you actually believe you're getting additional coverage for that additional charge, I'm not sure what to say, as it's been made very clear to me that you're not.

Re: Liability Insurance - Rental Car [Re: GaKaye] #286167
07/16/2022 07:03 AM
07/16/2022 07:03 AM
Joined: Aug 2000
Posts: 79,707
Central Florida!
Carol_Hill Offline
Traveler
Carol_Hill  Offline
Traveler
Joined: Aug 2000
Posts: 79,707
Central Florida!
I think this is a question that is not going to be resolved and will end it here.


Carol Hill
Page 2 of 2 1 2

Powered by UBB.threads™ PHP Forum Software 7.6.1