Rental Car Crap

Yes I got a call from rental car company and we set the time for meeting tomorrow (monday). The guy said "we have to set the date for your payment", and I'm not sure what he really meant. Well I guess I have to pay him for the car that I destroyed, but it still doesn't make any sense that I have to pay him after paying him the insurance & $1000 deductible.

Anyway, I want to tell this to everyone who wants to rent a car from Thrifty: Don't rent a car if you don't have your own insurance. They'll still rent you a car, but if you get into shitty accident like me, you might have to pay a lot --even if you paid the insurance.

Should I call Lawyer? But how can I find lawyer?