A: Often, the simplest way to get you into a rental car is to get a rental through your own insurance policy, if you have rental coverage.  Alternatively, you may pay out-of-pocket for your rental then seek reimbursement from the other insurance company once it completes its investigation.  It is entirely appropriate for the insurance company to provide you with a rental vehicle that is comparable to the vehicle being repaired or totaled, particularly in situations where you require a particular type of vehicle for your job or business.

Be mindful that most collision policies do not allow for endless rental coverage.  You are normally allowed to rent a vehicle until your vehicle is repaired, or until the insurance company issues you payment in a total loss situation.  You should inquire about a reasonable extension of the rental if you foresee a delay.

*Note- In Wisconsin you are responsible for purchasing insurance for your rental vehicle.  An at-fault insurance company in Illinois should cover that expense.