Luggage Lost or Stolen?

This issue comes up a lot and there is always a difference of opinions.

Our Insured flew on a commercial flight and although they arrived at their destination, their luggage did not. The airline has not been able to locate the luggage and has since paid our Insured their limit. The insured is now coming to us for the remainder of the loss. Does the peril of “theft, including attempted theft and loss of property from a known place when it is likely that the property has been stolen” cover this type of loss?

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