The BAP provides coverage for a theft loss under comp coverage and under specified causes of loss coverage; the PAP provides coverage for a theft loss under other than collision. This can be considered as theft of cars from the insureds and the BAP and PAP will apply to that theft.

Although there may be a question regarding the “accidental'' language of the physical damage insuring agreement, if we look at it from the standpoint of the insureds they did not intend to have their cars stolen. From their points of view it was an accidental loss. And, if the insurers had wanted to have an exclusion about voluntarily parting with the cars they could have put one in. Because there is no exclusion for voluntarily giving up the car and no definition of theft in the either the BAP or PAP, those forms should cover the losses.