Should I get a lawyer for a car accident in which my parked car was hit?

No lawyer will take this case. There's no money in it and the attorney will cost more than a rental car.

a) Who are you going to sue when no determination has been made about who is at fault? In other words, you're jumping the gun.

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b) We don't know what your insurance policy says about certain coverages and reimbursements. Apparently, rental cars are not part of the coverage you purchased, so it's not their reasponsibility to provide one. 

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c) Since you're apparently clueless as to what your insurance policy guarantees (read the fine print), it might be wise to consult a lawyer to see what your options are, and especially to make sure that your insurance company lives up to its obligations.

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d) Presumably you are talking about a used car. You should eventually be reimbursed fair market value for the car you bought, based on make, model, year, mileage and overall condition before the accident. If you paid more than it's really worth, as often happens when buying a used car, then yes, you're probably going to lose out money-wise. Paying too much for your car would be your own fault, not the fault of the person responsible for the accident.

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e) What an insurance company can  do is, once fault is determined, they can SUBROGATE THE CLAIM, meaning they sue the at-fault driver or their insurance company to try and recover your insurance deductible, car rental fees and other e3xpenses from the at-fault party. If that person wasn't insured, is under-insured, and is more or less poor, don't expect to get anything. 

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f) If you allow your insurance company to subrogate the claim for you, then you waive the right to sue the at-fault party yourself. Since we do not know any of the details, we cannot advise you what to do, which is why you might at least retain a lawyer who can gather the facts and give you good advice.

g) If you can't afford a rental car, how were you were able to afford to buy a car? If renting a car is a problem, affording a lawyer won't be any easier unless you can find a pro-bono law firm that charges their client afterward and not up front. 

In my experience as soon as you lawyer up the insurance companies suddenly get a whole lot nicer and more generous to keep it out of the courts.

Have you talked to your own insurance company? It's the first thing a lawyer will want to know.

You still owe your loan. If you had gotten rental on your insurance, you could be renting now. You didn't, so out of pocket and reimbursed, possibly, don't count on it, is the way to go. You will eventually be given blue book or so for your car, doesn't matter what you paid for it. Which means there is a good chance you'll get less for it then you bought it for. This is the system, how it works. Insurance works differently in the different states. I'm in Ma, and use my own insurance company to do all this crap, they pay me what I need now, they then get t from the insurance company responsible. It's just easier for me.  My son from 16 to 24 or so, was in five accidents, each one his car was totaled. 3 out of the five he was responsible for. All gave him less then he paid, so each accident was like a step down from what he had before.