Once more...
READ VERY CAREFULLY all forms and agreements you sign before renting airplanes or taking flight training or introductory flights! I've seen liability clauses buried in the fine print that would make the student/renter liable for a significant portion of any hull loss. In one particular club ~15 years ago, it was presented as the renter 'accepting' any subrogation claim by the insurance company. That would effectively make a renter potentially liable for the entire airplane.