If an insured party has a vehicle stolen for which the insured carries Part D transportation expense coverage, what will the insurer provide to the insured? The insurer will pay a standard daily rate for a rental vehicle even if Part D has not been purchased. There is no rental coverage provided on a stolen vehicle unless it is a non-owned vehicle that the insured was legally driving. Because this is considered a collision loss, the insurer will pay a daily amount to rent a substitute car for the duration of time that the car is being recovered or until a total loss claim is paid. Because this is considered an Other than Collision loss, the insurer will pay a daily amount up to a maximum dollar amount to rent a substitute car while the car is being recovered or the claim is paid