Why would the insurance company not give me a rental car?

1. The other party's insurance company is still investigating liability. 

Remember, just because the police report indicates their driver is at fault, there's still the chance their insured has told them a different story.  Until that insurance company places liability on their insured, they will not extend you a rental.  (The police report is not necessarily the definitive factor in regard to liability.)

2. You were struck by an uninsured driver and do not have a rental car provision in your policy.

Few people think to check their policy for rental car provisions.  Some people believe full coverage automatically includes rental car coverage.  Not true.  I would suggest calling your agent to see if you have rental car coverage in your policy.

3. You were uninsured and placed at fault for the accident.

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