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Car rental Curacao/Bonaire

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We're heading to Curacao and Bonaire in December for a couple of weeks. Although we usually don't rent cars when we travel, it appears to be the best option for these islands.

My question relates to insurance. Here in the US, we never purchase the add on insurance that is offered with a rental.

Is it necessary/advisable to purchase it on Curacao and Bonaire?

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