If you have rental coverage on your vehicle, then you can go through your insurance company to get into a rental vehicle right away. If you do not have rental coverage on your policy, then you are entitled to have the value of a rental vehicle paid for by the at-fault party for a reasonable amount of time after an accident. The insurance carrier for the at-fault party will either place you in a rental vehicle, reimburse you a reasonable amount for a vehicle you rented, or pay you for the loss of use of your vehicle if you were not placed in a rental car.