check your policy (usually they give it to you in a binder or packet and you ignore it until something happens). The section you're looking for is "non-owned autos" it's is associated limit. If you opt for the rental companies coverage there's the advantage that anything happens in vegas, stays in vegas. If you opt for the "penske full coverage" for $20/day or whatever it is and you wreck it, light it on fire and toss the keys in the river, penske can't say boo and it won't show up on your premium, or that's what my agent told me. I still just rely on my package coverage and waive the penske/budget/etc coverage.