The assessor called and informed me every step of the way

The assessor called and informed me every step of the way. But on the day of the accident I was stranded and it was a holiday, I couldn't get rental car and the was no transportation to were I was heading for me and it was raining. I feel like insurance can me exception for their customers on rentals. To be 24/7. Imagine if it was raining like that day and is at night,it could have been worse.