When do transportation expenses begin to be covered after a theft of the insured's automobile under PAP?

Transportation expenses under a Personal Auto Policy (PAP) are covered after a theft of the insured's automobile begins 48 hours after the theft occurs. This timeframe is significant because it establishes a waiting period before the coverage for rental car expenses or other transportation needs becomes effective.

The reasoning behind this 48-hour waiting period is to prevent frivolous claims and ensure that a reasonable period has passed for the insured to report the theft and for the insurance company to assess the situation. This policy design encourages proper claim management while providing support to the insured after they experience such a loss.

In contrast, options suggesting shorter or longer waiting periods do not align with the standard provisions of a typical Personal Auto Policy, which helps ensure clear expectations for both the insurer and the insured.