How will the insurance company handle a claim for stolen CDs if the insured has liability and comprehensive coverage, but not collision coverage?

In the case of a claim for stolen CDs, the insurance company would likely handle it based on the type of coverage that the policy provides. Since the insured has liability and comprehensive coverage but not collision coverage, it is essential to understand what these coverages entail.

Comprehensive coverage typically protects against risks that are not related to driving the vehicle, such as theft, vandalism, or natural disasters. In contrast, liability coverage takes care of damages inflicted on others when the insured is at fault in an accident, and does not cover the insured's own property.

If the claim for the stolen CDs is being denied in full, it may indicate that the stolen items are not covered under the comprehensive policy terms or that particular exclusions apply to personal property theft claims. In this instance, the specifics of the policy language would dictate any limitations or exclusions related to personal items stored in the vehicle.

Given that liability coverage does not provide protection for personal belongings and that comprehensive coverage may not explicitly cover the theft of CDs, denying the claim outright aligns with the interpretation of the coverage types involved. Therefore, based on the provided context of the types of coverage and the circumstances of the theft, the conclusion that the insurance company would deny the claim in full is valid.