TravelTalkOnline Forums Travel and Vacation Forums St. Maarten - St. Martin Rental car

First time back to the Friendly Island since 2016. Have a few rental car questions to see if things have changed…
1) lock the vehicle or leave it unlocked? I used to leave nothing in it unlocked at the beach and nothing in it locked at night.
2) do you need to purchase third-party liability insurance? I used to rent from Hertz (where it was included) but they got pricey so I am using Alamo this time. It’s only $7/day extra but the coverage language was strange to me…” Customers can obtain coverage for damages and injuries to third parties under the local rental car company's insurance by purchasing its TPL protection.” Is TPL already included so that you’re paying the rental car company for nothing additional?