If you crash your car and don’t have backup transportation, you need rental reimbursement coverage. Not every company offers it; you’ll need to ask your agent. If someone else hits your car, the other insurance company will allow the cost to rent a car while yours is being fixed or replaced if totaled.
Suppose the other party has no insurance. If you have purchased the optional Uninsured Motorist Property Damage coverage, your company will pay for a rental car the same as though the other driver had insurance. To be sure you have enough to cover a rental, you should still buy the Rental Reimbursement option if available.
If your car is drivable and the body shop will take longer than 30 days to fix it, consider waiting until the parts are in and they have time. Rental Reimbursement usually has a 30-day limit.