Q: My car was in a wreck. The insurance is XXX. Don’t they owe me transportation or a rental car while my car is being repaired without anything coming out of my pocket or whether or not I have a credit card?
A: (Since this was an actual question, I am giving you the actual answer. The lesson here: be a bit clearer in your question to an attorney!)
Assuming XXX insures the other party (and its not that clear), then they are obligated to pay you either loss of use or rental of a like, kind and quality automobile. However, they only pay for the car, not the insurance, gas, etc…. If you have your own auto insurance policy, that should provide you coverage while you are in the vehicle. If you do not have your own auto insurance, you will have to pay for the insurance. As for the credit card, I would suggest you ask someone you know who has a credit card if they will rent with you. Or, you can shop around and see if you can find a rental agency that will not require a credit card. Your other solution would be to borrow a car from a friend and pay them a fair amount for rental. You could then collect this back from XXX. Finally, you could collect loss of use, if you do not rent a vehicle at all.
If XXX is your insurance company, the most they will pay is the amount in the policy. If it is $20 per day, that is the most they will pay, but again, they will not pay for the insurance, gas, etc…. They will also not be responsible if you do not have a credit card.