Posted By: rodmar
Liability Insurance - 08/02/2016 09:35 PM
I know this is an old question but does any car rental company include the cost of Liability Insurance besides Hertz in the weekly rental.
Posted By: Bobcat
Re: Liability Insurance - 08/02/2016 11:55 PM
I am not sure about other rental companies but 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.
We have always tried to rent from Hertz while on the island as they include the liability damage waiver in their rates and we take the CDW/LDW from one of our credit cards.
Posted By: SXMScubaman
Re: Liability Insurance - 08/03/2016 12:58 AM
Same thoughts here as Bobcat's. Best to deal with a sound company and read the agreement before you sign the rental. I deal with Hertz SXM for the same reason Bobcat does.
Posted By: The_Lurker
Re: Liability Insurance - 08/03/2016 11:43 AM
Just curious, does Hertz have any connection with Hertz here in the U.S.? I have always heard they are not the same, usually when people are trying to gain miles from renting from them or a complaint to Hertz USA after a problem.
Posted By: Bobcat
Re: Liability Insurance - 08/03/2016 12:42 PM
From the Hertz Sint Maarten website Third Party Liability Waiver covers...
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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.