What a person's third party liability insurance is responsible for paying, including such things as loss of use, will be dependent upon the person's specific policy. Property damage liability includes paying for the damaged property of the other party and may include loss of use but does not always include this coverage.

If you are placing a claim through another person's insurance company (a 3rd party claim), you should be able to find out from the claims adjuster assigned to your accident claim what all the other party's policy will cover. The Illinois Division of Insurance has a fact sheet about filing an auto claim with another's insurance company that you may also find of interest.

Illinois insurance regulations do require an at-fault driver's insurance company to reimburse you for the cost of a rental vehicle in proportion to their liability. The most the company must reimburse you for is the period of time it would normally take to repair your vehicle, or until they make you a settlement offer for your vehicle's damage.

This regulation does not specify the type of rental vehicle. If your damaged vehicle is a specialty vehicle, the company does not have to pay for a rental of the same type. If the company offers to pay a flat amount (for example, $20 per day), the company must tell you where you can rent a vehicle for that amount.