What insurance you had in place determines if you have rental car coverage for an accident.
At the exact time of the accident, whatever insurance policy you had that was active are the coverages that will apply to the claim. If the policy you had with your old insurance company was the one that was active and you had rental car coverage on it, then you will have rental car coverage for the accident. Just because you switched companies before a claim has been closed with your old company, doesn’t mean you lose the coverages you had at the time of the accident.
On the other hand, if you didn’t have rental car coverage on your old policy that was active at the time of the accident, but your new policy does; you do not have rental car coverage.
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