I have a question. We provide Garage Physical Damage Comprehensive Coverage to our insured (car dealer). The insured is filing a claim for a stolen vehicle.

Insured hired a transporting company to pick up a vehicle the dealer purchased, and have the vehicle delivered to the insured. The insured is stating that the transporting company never delivered the vehicle and has stolen it. The insured does not have the False Pretense Endorsement on his policy.

Will this claim be covered under Physical Damage Comprehensive Coverage? or would the insured had to have purchased False Pretense Coverage in order for the claim to be covered?