Minnesota. Rented a floor sander it was damaged while I was bringing it back to rental company. He says i owe him 3000.00 cost of a new machine it says that on back of rental agreement, old ones about 5 years old. Tried to turn it into my home owners insurance they asked for something from his insurance saying they wont cover it , he refused saying thats not how he does things . I called my insurance company and told them, my insurance company said they would review it , they sent me a letter saying they dont cover rental property. I called them they say his insurance should cover it . Hes sueing me for 2600. Does he have to try and turn it into his insurance and if not am i liable for the cost of a new machine