Typically, you can choose your rental services. However, your insurance carrier may have partner car rentals that may charge your insurer directly if you rent from them. Otherwise, you may choose your own rental company. Normally, you will have to pay out-of-pocket and you will be reimbursed for your expenses.
If you choose a car above your daily rental limit, you will have to pay for the difference yourself. Rental Reimbursement coverage will be useful for those who need personal transportation. Read more about optional coverages to inquire with your insurance carrier.