Items in a Locked, Unattended Vehicle May Be Considered in the Insured's Care, Custody or Control
An insured contractor parked his truck at a friend's business. The vehicle was broken into and tools and materials were stolen. We have a CP 00 10 with a tool and installation endorsement. The company is paying for the tools but is denying coverage for the materials because (1) they weren't at a job site or temporary storage location at which the insured has an insurable interest; (2)not in the insureds care, custody, or control; or (3)not in transit. I disagree and contend that not only were they in the insureds care, custody, and control, but they could also be considered “in transit.” Am I correct in my thinking?
Pennsylvania Subscriber
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