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Re: car rental Insurance
[Re: eric]
#177570
12/10/2018 06:52 AM
12/10/2018 06:52 AM
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Joined: Mar 2001
Posts: 17,769 Ohio
ruralcarrier
Traveler
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Traveler
Joined: Mar 2001
Posts: 17,769
Ohio
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Bear in mind, not all cards cover CDW. Discover Cars for one announced recently they were dropping that coverage. Thanks for your summary.
J.D.
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Re: car rental Insurance
[Re: SXMScubaman]
#182073
01/27/2019 10:58 PM
01/27/2019 10:58 PM
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Joined: Feb 2010
Posts: 192 Columbia, SC, USA
DandM29212
Traveler
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Traveler
Joined: Feb 2010
Posts: 192
Columbia, SC, USA
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SXMScuba - I understand your feelings about Hertz and based on those comments in your previous posts and this liability insurance issue, I rented an SUV in November when last there. Good experience. Thanks!
Despite all the insistence of others and having beat this horse to death trying to educate them, I think we've all concluded that Liability Insurance is not offered by any credit card vendors when we rent at SXM, so everyone needs to be getting it as supplemental insurance. OK, fine.
Having said that, if I understand right, the only rental car company in SXM (serving PJIA) that includes Liability Insurance in their base rate is Hertz. Is that right?
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Re: car rental Insurance
[Re: DandM29212]
#182099
01/28/2019 11:42 AM
01/28/2019 11:42 AM
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Joined: Mar 2009
Posts: 19,216 Auburn, WA
SXMScubaman
Traveler
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Traveler
Joined: Mar 2009
Posts: 19,216
Auburn, WA
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SXMScuba - I understand your feelings about Hertz and based on those comments in your previous posts and this liability insurance issue, I rented an SUV in November when last there. Good experience. Thanks!
Despite all the insistence of others and having beat this horse to death trying to educate them, I think we've all concluded that Liability Insurance is not offered by any credit card vendors when we rent at SXM, so everyone needs to be getting it as supplemental insurance. OK, fine.
Having said that, if I understand right, the only rental car company in SXM (serving PJIA) that includes Liability Insurance in their base rate is Hertz. Is that right? That I'm not sure of. All I can say is that I have always been happy with hertz. Price, service and reliable cars.
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Re: car rental Insurance
[Re: SXMScubaman]
#182162
01/28/2019 10:32 PM
01/28/2019 10:32 PM
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Joined: Feb 2010
Posts: 192 Columbia, SC, USA
DandM29212
Traveler
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Traveler
Joined: Feb 2010
Posts: 192
Columbia, SC, USA
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SXMScuba - I understand your feelings about Hertz and based on those comments in your previous posts and this liability insurance issue, I rented an SUV in November when last there. Good experience. Thanks!
Despite all the insistence of others and having beat this horse to death trying to educate them, I think we've all concluded that Liability Insurance is not offered by any credit card vendors when we rent at SXM, so everyone needs to be getting it as supplemental insurance. OK, fine.
Having said that, if I understand right, the only rental car company in SXM (serving PJIA) that includes Liability Insurance in their base rate is Hertz. Is that right? That I'm not sure of. All I can say is that I have always been happy with hertz. Price, service and reliable cars. Well, no one else chimed in to say otherwise, so I'm guessing Hertz is the only rental car company including liability insurance in their base quote then.
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Re: car rental Insurance
[Re: eric]
#182216
01/29/2019 12:21 PM
01/29/2019 12:21 PM
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Joined: Mar 2009
Posts: 19,216 Auburn, WA
SXMScubaman
Traveler
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Traveler
Joined: Mar 2009
Posts: 19,216
Auburn, WA
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THis was an incident posted on Facebook. "When renting a car in SXM, we always take the rental car liability insurance but decline the Collision Damage Waiver (CDW) insurance since the credit card is supposed to cover that. I always wondered what the experience would be if I had to use the CDW provided by my credit card. Well, it was actually not bad. Long story short, our tail light was busted in the SXM True Value parking lot. (I parked there and ran to a neighboring business, not sure if that had anything to do with it . I went by the Hertz office and reported it. The Hertz people took pictures and filled out a report. Eventually, the $205 for repair was billed to my Fidelity Visa card that was used for the rental. After returning home I contacted Hertz and they emailed me all of the info on the incident which I forwarded to the Visa claims department. In summary I reported the incident on Dec 1, filed the claim on Dec 18 and got reimbursed for the full amount of damage on on Jan 29. All in all, fairly painless. The Hertz and Fidelity Visa people were all good to work with. I have to assume the results would have been the same for a much larger claim as the CDW covers up to the full value of the car."
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Re: car rental Insurance
[Re: SXMScubaman]
#182224
01/29/2019 01:14 PM
01/29/2019 01:14 PM
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Joined: Nov 2018
Posts: 6
B & D
Traveler
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Traveler
Joined: Nov 2018
Posts: 6
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Re: car rental Insurance
[Re: DandM29212]
#182241
01/29/2019 02:42 PM
01/29/2019 02:42 PM
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Joined: May 2004
Posts: 1,197 Virginia
Snorkeller
Traveler
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Traveler
Joined: May 2004
Posts: 1,197
Virginia
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I cannot believe that third party liability insurance is not included when you rent a car on the island even if you decline any extra or supplemental third party liability coverage - e.g., the $5 per day kind of thing. In both France and the Netherlands, third party liability insurance coverage to an unlimited or very high amount is required to be included in the cost of the rental. No one can rent a car to you in either country without the third party liability insurance coverage in place.
I am pretty confident that the law on the french-side of the island is the same as in France, both because of the way the law works generally and because of the fact that people renting from a french-side car rental business say that they have been told that third party liability coverage is included in an unlimited amount. Plus, this kind of requirement is just what the french do.
I am not so confident on dutch-side, but still believe that there must be a requirement that the cost of rental must include third party liability insurance. I cannot believe that a car rental business in Sint Maarten can rent you a car and there actually is zero third party liability insurance coverage in place. Even if that could occur on dutch-side, I cannot believe that that would be legal on french-side and of course even if you rent from a dutch-side business almost all of us go to french-side.
Am I sure about this, heck no. Do I care enough to consult an island attorney about this, no. We have rented from Michael/Unity for years and have him include the $5 a day for "liability" in his quote. What we really are getting - and whether we really need it, I have no idea.
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