Thank you, this makes sense.

My insurance agent, or the agent I am working with?

My insurance isn't covering this as I am not at fault.

I've only been dealing with the other company.

Thank you, I asked the insurance agent/adjustor of the other party for this. But they weren't interested as my car wast in the shop at the moment.

Have an appointment booked, and have said I'd like to move forward with "loss of utilization" instead of a rental car.

So I don't have rental coverage, but as my car has to go to the shop and the other driver is at fault.

Even if you have another car, it seems like you're eligible via the article I posted.

I have another vehicle, but don't want a rental car if I have a check as another option.