If you rent a car and use your insurance and someone hits you will the rental car company wait for the inurance or make you pay for it?

Car rental agencies are notorious for screwing their costumers in cases like that.

1). In order for them to rent out a vehicle, they are obligated by law to provide and maintain liability coverage on all vehicle in their fleet at all times.

2). If you were in an accident which was not your fault, the rental Insurance co. should pursue a Subrogation claim against the other driver's insurance and recover their damages.

All you need to do is, contact your insurance co. and ask them not to pay tham a dime. That's all. Case closed.