PAYS for damage to or loss of your car, less any applicable deductible, resulting from perils such as fire, theft, vandalism, and striking an animal, but not collision. this coverage allows up to$ 15 a day (to a limit of$ 450) for substitute transportation (rental or other transportation costs including taxi, bus and train fare) until your stolen auto is recovered. personal property is not covered unless it is permanently installed in your car, such as a tape deck. if your car is financed, your lender may require this coverage.