Had accident in Oregon 1/12/12, and my car was totaled, other party was at fault, and their ins carrier is Hartford, and mine is State F. Offered settlement within 1 week and carriers both told me I had to accept and only had 5 added days of Rental covered. However they did not pay Settlement until 2/13/12 .... I am stuck with over $600 of rental, why when I did not have car to drive? What are the rules on rental when I had no other option without check in hand to buy another vehicle?