If you are involved in an accident and it was not your fault, who is responsible for the insurance on the rental car? If your own auto insurance does not transfer to a rental and the rental car place is requiring you to pay out of pocket for the insurance, is it your responsibility to pay this or the person who was at faults responsibility to pay this?

Why is your policy not transfering over? 99.9% of policies transfer over to the rental vehicle.

You can also ask the at fault insurance if they will reimburse you for the extra cost you have to incurr by paying for additional insurance on the rental vehicle.