Allstate Insurance Co. ,auto, Refused to pay for rental car, after an accident, even though I had rental car coverage. Internet

I was involved in an automobile accident in which the other driver ran a stop sign an I hit her car. She was charged with the accident. The right side of my bumper and quarter panel were completely crushed as a result. The accident happened approximately 1 mile from my home and I was able to drive my car  home.

Since I had no right front headlight, I believed the car was not legal to drive. I have been pulled over before for a non-working headlight and given a warning. (I assume, I could have just as easily been given a ticket) Due to my previous experience, I believed that my car could be on the road legally and I parked it in my driveway.

I called Allstate and reported my accident and requested a rental car until the repairs could be made. The associate asked me if the car was driveable. I assumed a car I could be pulled over in, was not driveable(silly me for trying to obey the law), and told her it wasn't.

Anyways, she arranged for me to pick up a rental car and I did. Unfortunately, I still had to give my credit car number to the rental agent, even though they said, it was just a formality, since insurance was going to be covering it.

When I got the call from the agent to set up a time to get the adjustment, I asked her if she could get me a close location to my home, since I was afraid to get pulled over while driving the car to the adjuster.

At that time she literally freaked on me. She said I had told her the car was not driveable. I said that I believed a car I could get pulled over in, for only having one working headlight, WAS undriveable. She said that was insurance fraud and that I had lied to her, and they would not pay for my rental car.

I then proceed to ask her, how exactly I was supposed to tell the cop who pulled me over, that he was wrong and there was nothing wrong with my car.

Anyways, I ended having to pay for a rental out of my own pocket and quickly proceed to drop them. The funny thing is my rental car expense was only $115.00, but for the sake of that small amount, they lost me as a customer, as well as the money they could had kept making for insuring my two cars.

So the next time a cop pulls you over for something not working on your car, you might just want to tell him/her, that they're wrong because ...Your in good hands with Allstate.