While attending classes at college, Chuck parks his car on the street and locks it. When he returns, it is gone. He reports its loss to his insurer and notifies the police immediately. Because he must commute to school and to work, he rents a car for $180 per week, or $28 per day for any part of a week. Twenty-three days after his car disappeared, it is recovered. It has been driven over 12,000 miles, its right rear fender has been destroyed in an accident, and the interior has been vandalized. The low estimate for repair of the exterior and interior damage is $23,000. The actual cash value of his car is $16,000. Chuck has a PAP with other-than-collision coverage and a $200 deductible. Explain Chucks coverage to him, noting what he can expect to recover from her insurer, and why.