Most insurance companies do not provide rental cars, they provide reimbursement. It also has to be a noted coverage in your policy. For example, say an insurer provides a rental car at $30/day up to 30 days with a cap of $900. You would have to come up with the money upfront, then your insurance company would ask for copies of the rental contract and fees that were paid. They would then send you a check for what you paid.
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