Final answer:
The breakdown covered by regular auto insurance is NOT excluded from coverage under a Mechanical Breakdown Insurance policy.
Step-by-step explanation:
Mechanical Breakdown Insurance (MBI) policies typically exclude certain types of breakdowns from coverage. However, among the given options, breakdown covered by regular auto insurance is NOT excluded from coverage under a Mechanical Breakdown Insurance policy.
MBI policies are designed to cover mechanical issues that are not covered by regular auto insurance. Therefore, breakdowns covered by regular auto insurance are typically not excluded from coverage under MBI. These policies are meant to provide additional protection for repairs and replacements of mechanical components due to mechanical breakdowns.
On the other hand, breakdown due to the cracking of an engine block, breakdown due to neglect or delay in maintenance, and breakdown due to racing or reckless driving are examples of breakdowns that are typically excluded from coverage under a Mechanical Breakdown Insurance policy.