Thanks Mugwug and iFly55 for the reply, so I already got the car rental which was not been authorized by the insurance company they say they will pay for the rental once they get the police report and determine if the car rental and covered or not in the mean time I am paying for it myself. Should I...

Ok here is the situation I was driving on the highway about 110km/h saw an animal crossing the road and I swerve quickly to the side and lost control and went flying to the ditch I was ok but car is done and cannot be fixed. I told exactly what happen to the police officer and got a $110 ticket from...