The rental price includes standard insurance it covers the damage to third parties. That is you are only responsible for the rented car.

It is possible to purchase full (extended) insurance it does not include only damage to tires and glass.

You can buy additional theft insurance.

An accident can be recognized as a non-insured case. For example, if the driver was drunk or handed over control to someone, the accident report was not drawn up, then he pays the entire amount of damage and the waiting time for repair.