After a vehicle theft, insurance transportation expenses under the PAP begin after what duration?

Insurance transportation expenses under the Personal Auto Policy (PAP) begin after 48 hours from the time of theft. This means that if a vehicle is stolen, the insured must wait for 48 hours before the insurance policy will start to cover any rental car expenses or other transportation costs incurred as a result of being without the vehicle. This waiting period is designed to allow time for the vehicle to potentially be recovered before incurring additional expenses. Once the 48-hour mark is reached, the policy would then provide coverage for reasonable transportation expenses during the time the insured is without their vehicle due to the theft. Understanding this waiting period is crucial for policyholders to manage their expectations regarding insurance coverage in the event of a theft.