Can my insurance company withhold coverage because my vehicle is in evidence hold?

I was in a collision with a fatality and my vehicle has been towed to a yard where it is on an evidence hold. My car payment to the finance company continues and my insurer refuses to pay for my car rental for which I have paid extra for.. I am almost maxed out on my credit cards to cover the rental. If I loose transportation, I loose my job and income making me homeless and without credit. Please advise!