Damage to a third party is covered under Outdoorsy's $1 Million liability insurance, which provides up to $1 million in coverage for all qualified vehicles model year 2000 and newer. All renters and vehicles being rented through the platform, including vehicles that are model year 1999 and older, are covered by Outdoorsy's comprehensive/collision insurance. This insurance covers the value of the vehicle up to $200K (vehicles 2000 and newer) or the value of the vehicle up to $75K (vehicles 1999 and older). You will still need to hold a personal policy for when you are operating your own vehicle.
To learn more about Outdoorsy's liability, comprehensive, and collision insurance, read this overview.