You're in the right place to file a claim. Filing a claim online is quick and easy. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. If you don't already include car rental reimbursement in your insurance policy, it's a good idea to add this type of coverage to protect yourself from future accidents.
If the other driver's insurance company agrees to pay for your rental vehicle, you can usually continue using it until the vehicle is repaired or the insurance company pays you the full value of the vehicle. Using the NAIC complaint index (best ratio between complaints and market share), the best auto insurers are Farmers Insurance and Progressive. Then, your insurance company can ask the at-fault driver's insurance company to reimburse you for the amounts you paid, as well as your deductible. Then, your insurance company will try to subrogate the other driver's policy to get back what you pay for your rental car.
Insurance companies use traffic tickets to assess risk; having one or more tickets on your driving record indicates that you are at greater risk to the insurer than drivers with a clean driving record. If the other driver is found to be at fault for your collision, the driver's insurance company will have to reimburse you for the costs of renting the car and other damages. On the other hand, if your insurance policy doesn't include rental car coverage, the situation will be different when the other insurance company denies liability or doesn't make an immediate decision on your claim. If your car insurance policy includes coverage for car rental costs, you can file a claim with your insurance company to cover the cost of your rental car.
Your insurance company will pay the rental costs of the car and will request reimbursement from the other driver's insurance company. Drivers can find cheaper auto policies by comparing the rates of major auto insurance providers, such as those listed here. ValuePenguin conducted a survey and found that, overall, the best auto insurance companies in Arizona are American Family and USAA, with high ratings from current policyholders in terms of claim satisfaction.