Oh, no—so sorry to hear about your car! You’re right, a rental car is likely your best option if your car is out of commission for the time being.
If the policy does, insurance may cover the entire cost of a rental car or just a portion of it. It depends on the policy stipulations. For example, if you have 25/500 coverage, your rental will be covered for up to $25 per day, or $500 total.
When you file your claim, ask the agent what your options are. If you didn’t have rental coverage before the damage to your car occurred, you won’t be able to add it after. However, you can shop around online for cheap rental car deals so your pocketbook doesn’t take such a hard hit.