谢谢回复先。如果对方的车假设真是偷的，也可以告吗？

you said"It doesn't matter whether his car was stolen, or he was insured" 保险公司不赔就是因为车是偷的，车主就算车被偷也要负责？（当然现在不是这样，我认为）
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.