Man, I'm sorry to hear that
Insurance companies will put you in the cheapest thing they can. Usually, there's a dollar amount allowed for a rental, up to a maximum.
You should be able to rent what you want within those guidelines.
Glad to hear you're ok, but don't sign off on anything until you're sure!
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Remember:
Artificial Intelligence is no replacement for Natural Stupidity!
Be Polite, Be Professional...and have a plan to kill everyone you meet.