Question

Damage as it applies to a personal auto policy will exclude which of the following?

1) mechanical breakdown
2) fire
3) hail
4) all of the above

Answer 1

Mechanical breakdown is typically excluded from personal auto policies, which cover accidental damages such as those caused by fire or hail.

Step-by-step explanation:

When it comes to damage under a personal auto policy, certain exclusions apply. The damage your policy covers typically includes events like fire or hail, which are unforeseen and accidental. However, it excludes routine wear and tear or mechanical breakdown, which are considered maintenance issues rather than accidental damage. Therefore, mechanical breakdown is the type of damage that would be excluded from a personal auto policy.

However, damage caused by fire, hail, or any other perils specified in the policy is generally covered, subject to the policy terms and conditions.