We've leased a few Fords before this and never had any issues. If it had to go in for service, we got a loaner for the day or 2. It was peace of mind, and I didn't have to work on my wife's or my daily drivers.
My insurance company is technically just following the contract to the letter. It states "I'm entitled to a rental for up to 40 days at $30 a day."
The issues are with the fly by night insurance company of the kid who hit me won't cover the rental, Ford can't get me the part, the body shop isn't storing the truck correctly, and my insurance company is dragging their feet because they don't want to pay out the money to junk a $63K truck with only $12K worth of damage.
Now the cost to repair it just went up.... I told them I'm refusing to take the truck back (if it does get fixed) unless they replace the moldy seats and carpet. I don't know if that falls on my insurance, the body shop (a preferred shop of my insurance company), or the body shops insurance company. That's not my problem YET. I'll cross that bridge when we get there.
One thing I can say is make sure you insurance contract says "you get a rental until all repairs are completed to your satisfaction." If it says anything about time limits on rentals, don't agree. If you can, get a time limit on how long a repair can take before they total the vehicle in the contract.