Assuming the other driver or you have sufficient insurance, your car repairs/replacement will be covered. Insurance companies typically want you to produce a police report before it will cover property damage and/or rental costs. It may take as long as ten days for the other driver’s policy to cover your property damage and/or rental costs. However, your insurer should cover your rental costs until fault is determined. You should therefore be able to secure a rental vehicle almost immediately after the loss of your vehicle. The personal injury attorneys at The Hayes Law Firm are waiting to answer any questions you may have about securing a rental car and/or repairing your vehicle.