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Until an expert car rental agent, or an insurance expert can improve the following answer, it will have to be from the standpoint of a layman who occasionally rent vehicles. When you sign a rental contract, you agree to be responsible for any and all damages to the rented vehicle. As I have always had insurance on my vehicles, it will pay for losses for which I am responsible, but only if there is no other insurance in force. In the event that someone else is legally responsible for the damage to the loaner car, then it may be that with luck, they are insured, and their insurance carrier will pay for the damage. BUT, if they don't, the rental agency will continue to hold you personally responsibe.

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Q: Whose insurance is responsible for damages on a loaner car from a car dealership?
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Is the dealership insurance on a loaner coverage for property damage?

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