Which is why, since I travel infrequently, I always take the rental insurance rather than let the credit card company, my insurer, and the rental company argue back and forth over who is going to pay, since I’m the ultimate available pocket.
Also, you don’t get blamed for the last guy’s dents.
Get a credit card that has primary rental car insurance. Amex has it for a low flat rate not daily. A couple other cards have it included. Most of them have secondary insurance and that creates the problems.