That's not necessarily true. I've rented a rental truck thru just about everybody except Penske & have not been been asked for proof of insurance many times.
The deductable is one thing, but this nincompoop is going to have the driver cover the entire cost of repair by not paying him at all. My guess he doesn't even have proper insurance.
You've got to be kidding!
Your entire business plan is based on how to run illegal and on lets see how fast i can go broke.
Why in Gods name would you stiff the driver?