Not a lawyer , but do work for a rental car company and handle similar situations extremely often . I ' m in a different state , but I ' m sure it ' s similar in yours . Go to the rental car company , explain the situation got in an accident , waiting for other person ' s insurance , yours doesn ' t cover rental cars and they should be able to get you a rental , but you ' ll be paying for it all up front . Since your son is under 21 law may vary by state , but at least in mine . he likely won ' t be able to drive the rental until an insurance company is paying directly for the rental . So rent the car for yourself and let him drive your car in the mean time . Once you can get in touch with the other insurance company , they can actually set up a direct bill and they can combine your current rental contract and the billing so they will take over the charges . Depending on the insurance company , the rental company may actually be able to get in touch with someone who works there as long as you have a claim number . If you have any questions related to the rental process , please don ' t hesitate to PM me ! Hope this helps !