If two insurance companies have a dispute?

Why are these insurance policies so distinct??
Whois accountable for rental car  insurance  after a collision?
"Having a driver's permit"Being a smallbusiness"I am practically 21 years of age"In a couple of months be getting my certificate along with a car. I live in Massachusetts. I'm not exactly sure what I'm getting for a vehicle"My spouse is 28 years of age"Medical insurance whenever a baby comes into the world