It’s very important to know that the insurance company will not pay for insurance on the rental car. Whatever coverage you have on your own car should apply ? to the rental. Check with your own vehicle insurance company. No matter what, if your vehicle did not have “collision” coverage (which pays for property damage to your vehicle no matter who is at fault), your insurance will not pay for any damage to the rental. And if your insurance has a deductible that must be met before any property damage is covered, you will have the same deductible if the rental car is damaged.