Yes, it can happen and it does happen very often.
They break things, they steal or lose them...yup! Happened to me also.
To add to this, I can tell you that my husband works for one of the big automotive companies and their cars are always being shipped from Europe. You cannot imagine how many things are missing from those cars, especially the fully loaded versions: mobile phones, DVD players. Everything goes under insurance.
You see, who works in all those companies? Only people!
And people do all the things you could imagine....