For simplicity's sake, let's say you were hit by another driver and it was their fault. After the accident, the at-fault driver's insurance company will interview its client, complete an investigation and agree yes, their client was responsible for the wreck.
At that point, Texas law requires the at-fault driver's insurance company to give you a rental car for a "reasonable" amount of time - usually until your car can be repaired and returned to you.
Sometimes, this authorization takes a long time, leaving you in a bind. You might be forced to rent a car on your own and seek reimbursement later. If you have rental car coverage on your own insurance policy, it's often easier to use it rather than waste time with the other driver's insurance adjusters. However, every situation is different.
Now, what if your car was totaled in the accident? Unfortunately, the other driver's insurance does NOT have to pay for your rental car. Luckily, they usually will anyway, since it's not always immediately obvious if your car was totaled or not.
What if it IS obvious that your car is totaled and the other driver's insurance won't pay for your rental? At that point, you'll need to look at your own car insurance policy to see if you have rental car coverage.
Unfortunately, rental car coverage is expensive, so not many people carry it. The benefit of it is that if you're in a wreck, you'll still have a car to get around in. If you don't have rental car coverage, you might end up being out of a car for a while.
If you're having trouble getting the insurance company to call you back or cooperate after your Fort Worth accident, please don't hesitate to call me. I'm available at all hours at 817-294-1900 and am happy to discuss your case or set up a consultation, free of charge.