Like Pbear said, just because they have an insurance card doesn't mean they have insurance.
And just because your not at fault doesn't mean you don't have to use your coverage. Read your rental contract. Your responsible for the damage to the car. End of story.
Your insurance company will go after the at fault party.
No offense to Pbear, but rental agencies loss control departments are incredibly slow. Mainly because the rental agents aren't fowarding the claim info though.
Oh, one more thing. Loss of use and admin fees are NOT covered by your insurance. Do not swear at me when I tell you that.
