This is a good question that we get quite often. Your auto insurance policy may or may not cover damage to a rental car. If you have comprehensive and collision on any vehicle on your policy, there is coverage minus the deductible. However, there are some issues you should be aware of. First, your auto insurance policy does not cover for loss of use. If the car has to be repaired for any extended about of time, the rental car company may charge you for the time it takes to repair it. You’ll have to pay for this and it can be expensive depending on amount of damage and time to repair. Second, there is NO coverage from your personal auto insurance policy if the rented vehicle is used for business purposes.
The best solution is to buy the insurance the rental car company offers. If you damage the car, just hand over the keys and you can go on your way.