westernrvparkowner wrote:
If my reading comprehension is correct, the OP's daughter is working in claims for the rental car company's insurance provider. This is the insurance you buy at the rental counter, not regular auto insurance. It would be reasonable for that insurance to not extend to usage beyond what is contractually permitted. If the rental contract says "no towing", towing is not going to be covered by any insurance the rental company sells. Also, bullet holes would be covered by their equivalent of comprehensive coverage. That is one of their added coverages you either buy or initial you don't want. And there are rental coverages that separate out collision and comprehensive into two different charges, unlike normal auto insurance where they are normally linked. Don't buy it, bullet holes are not covered.
And if people actually read the rental policy they may be surprised that one of the restrictions often is no driving on unpaved roads. Hopefully you do not live on a gravel road.