Always carry rental reimbursement. Mainly because the other driver may have another opinion of how the incident occured (go figure). Collect from your own company and when they straighten it all out you will get your deductable back. You can also rent a car on your own and the Company at fault will honor the payment at the State required minium. ($20 a day in NY for 30days). The car has to be damaged where it cannot be driven or the coverage only allows for the time the car is being repaired. Seek your agents advise. That's why you have an agent.
Rich Figarotta R-1593