Yawn, except for the Rugby player who owns a business that operates a fleet of vehicles.
"Hired Auto Physical Damage" is a must have endorsement on your business auto. A big job comes in, and two trucks go out of commish, and you're under the ruck, boots a flying...
Having Hired Auto Physical Damage gives you a little more peace of mind when renting a vehicle or two to get done what needs to get done. You rent a truck that ends doing damage, and your covered under the policy limits. Remember, this is WAY different than just liability cover. Know the diff?
Rugby players tend to be impatient people, so don't overlook this when reviewing your fleet auto policy.