Does Visa cover rental car insurance if you do not own a car or have regular car insurance?

I told D1 not to let anyone drive her car. I also do not let anyone drive my car because of the liability issue. I know of someone who let his brother drive his car. The brother got into a car accident and the other driver died. It wasn’t the brother’s fault, but my friend was sued because he had a deep pocket. What they were suing for was a lot more than my friend’s liability insurance, so the insurance decided to pay up to the liability amount and left my friend to cover the rest. My friend had to hire his own lawyer. My friend almost lost everything he had.