Hope your wife is better..The ins will pay for a rental car untill they make a settlement claim,,after that they will no longer pay for the car,,that don't mean you have to settle..By law thats only how long they have to pay for the rental..Just don't let them fawkya..It might be fully worth to seek legal advise just in case..Most law offices will give ya a freebie visit..Then go from there...
