When you buy a car, you are required to get liability insurance and this may include property damage liability insurance. This is not a mandatory condition, but will cover the car against any damage done by something other than you. This is not covered by comprehensive insurance, and this is usually only required by state law.
Liability insurance covers repairs to your car; that is the purview of the collision policy. This insurance also covers damage to someone else's vehicle, but includes any damage that belongs to someone else. This is why you need to have coverage for both your car and yourself. If you want to be a little more creative, you can also get theft coverage in place, but this is not covered under liability.
Some states will allow you to drive a rented car if you are at fault in an accident. However, this may not be legal in all states, so make sure that it is before you do so. Car rental companies also have to pay for repairs to your car. If you want to save money, you could try to drive another car, but it may not be allowed.
Property damage liability insurance is more about protecting you and your property than it is about protecting the others involved in the accident. If you are at fault in an accident, and you have not taken out comprehensive insurance, you are probably going to be out of luck. If you do not have insurance, you could lose everything because your insurance company may not pay your expenses, not including your car.
A good idea when you rent a car, is to check the vehicle for damage before renting it. A lot of people don't bother to do this because they think that they should just let their car break down after driving it once and getting a small scratch on it and replacing it. In fact, you may not want to take the chance at all, as this could result in more damage being done than what is actually covered in the rental agreement. You also want to ensure that the car has a security system. That way if the car breaks down, and is totaled, the insurance company will find it and get it repaired.
You should always make sure that you are not caught without liability insurance. and be prepared to pay any bills that you may be responsible for should a claim be filed against you. This can be extremely important in the case where you accidentally hit another car and do damage that involves injury. The person who is responsible for the accident may sue you. Even if your insurance company will pay your medical expenses, there is no guarantee that they will cover the repair costs of another vehicle.
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