Rental car coverage is always offered with full coverage in Kentucky car insurance policies. This is the only way to make sure you will get a rental car while your car is being repaired. The insurance company for the driver who hit you may pay for your rental car from their property damage coverage, but this is sometimes a slow process. Also, if there is a dispute as to the cause of the accident, the other party's insurance company will not pay for anything until the liability dispute is resolved. They will then pay only if the dispute is resolved in your favor. If you do not agree with their decision, your options are to forget about it or file a lawsuit.