If the other person is at fault or if the other party`s insurance company has accepted fault, then you are entitled to a rental car. Even if you are at fault, some insurance providers will provide you with a rental car. If your vehicle is considered a total loss, case law does not require the insurance provider to supply you with a rental car. However, it is usual company practice to provide loss of use until the first offer is made for a total loss settlement amount. If your company is handling the damages you must have rental coverage on your policy to obtain a rental car.