Hired Car Physical Damage Coverage

If you are renting a vehicle, borrowing a vehicle, or using your personally owned vehicle for your production or event what happens if you wreck the vehicle? We know that hired and non-owned auto insurance only applies to the liability that you pose to others, so how does your hired/borrowed vehicle’s damage get fixed? The only way to get the damage fixed on a hired or borrowed vehicle is by purchasing the Hired Car Physical Damage Coverage.