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No, they do not have to insure your rented vehicle. You have too.

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Q: Is an at fault party's insurance company responsible for paying insurance charges for a rental in addition to the rental fee?
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Is your insurance company responsible for cleanup of the accident?

As a rule of thumb, the responsible parties insurance carrier in an automobile accident would cover tow charges to the other parties vehicle (as well as the tow charges for your vehicle, providing you carry collision coverage), and the "clean-up" is usually performed by the tow company. Therefore, the responsible carrier would be responsible for the charges. Otherwise, they could be liable for addition accidents or damages caused from the debris left behind.


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