Additional expenses paid under the personal auto policy (PAP) and the
commercial auto policies. For the PAP, transportation expenses, such as rental
car charges, incurred in connection with a covered comprehensive or collision
loss are payable, up to a specified amount. A time-related deductible
applies—for example, 48 hours when the cause of loss is theft, and 24 hours for
other physical damage perils. For the business auto form, temporary
transportation expenses incurred by the insured due to the total theft of a
covered private passenger auto are provided, subject to a 48-hour deductible.