Totaled my car and my insurance company will no cover car rental?

I have Mercury car insurance and I pay for ful coverage, I just totaled my 12 month old Camry and now my agent is telling me that I do not have access to a rental car, that the only way to get ono under my contract is if the vehicle was stolen. Is there anyone that can help because I think i'm getting ripped off and don't have a clue on what to do next. I really appreciate your time, thank you.

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