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This question is controlled by the federal Ameircans with Disabilities Act. Title III of the Act prohibits private companies from discriminating agaginst a person with disabilities in regard to the sale of pructs and services. The US Department of Justice has been aggressive in pursuing rntal car comanies for not providing accessible vehicles and recently entered into a settlement agreement with one of the larger rental car companies. See:
This is a strong indication favorable to your position. However, it is a little less clear as to how the ADA is being applied to auto insurance companies and the car rental coverage uder their policies. It appears that federal courts have been mixed in their determination. This lask of clarity should not deter you however. You can file discrimination complaints with both the US Department of Justice as well as Michigan's Civil RIghts Office:
It costs you nothing to file these complaints.
Here is a link to a Law review Article that discusses this issue in detail:
Are Insurance Companies Liable under the Americans with Disabilities Act - Berkeley Law Scholarship Repository - University of California, Berkeley
scholarship.law.berkeley.edu › viewcontent
It is a PDF and should download. If it does not Google it and the link should appear.
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