Yea I think it depends on the rental agency. I have been in 4 accidents all not my fault and I had to pay nothing. I just had to get a police report stating that it was not my fault. That's why I like renting better than buying. A friend of mine got hit twice in one week both not his fault and he had to pay for all damages. I guess the insurance for a car you own here will not cover your damages even if it's not your fault. You always have to pay a hefty deductible...Go figure!