謝謝回複先。如果對方的車假設真是偷的，也可以告嗎？

you said"It doesn't matter whether his car was stolen, or he was insured" 保險公司不賠就是因為車是偷的，車主就算車被偷也要負責？（當然現在不是這樣，我認為）
I can somehow understand why I should not sue the insurance company, but most people get paid for Car Rental after the accident, however, in my case. Base on the "FACT" that the car was stolen, I won't be able to get money because of that, so I did not go rent a car, but I should get paid on the car rental, right? That should be on the insurance company's.