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Originally Posted by DoraRocks316
... When you rent any kind of car down there don't you get insurance automatically when you rent or not...
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Not. Insurance is generally not included in the rental price (regardless if you rent in the DR, US, Canada, etc).
Sometimes, the credit card company will offer some type of insurance when you rent with their card, but generally it doesn't include all the bells and whistles.
There are many thread on DR1 dealing with the perils of renting a car in the DR. There is also this
article.