Many times this is referred to by an insurance company as "loss of use". Texas insurance carriers handle loss of use in many different ways. Some companies may set you up in a rental car, while others will only reimburse you for your rental expenses. In some circumstances, the at fault party's insurance carrier may not be legally obligated to pay for loss of use at all. It is important to have your lawyer discuss these issues with you and review your own policy to determine if you are paying premiums for a rental car coverage.