Which types of damages are typically excluded from standard auto insurance policies?

Standard auto insurance policies often have specific exclusions that help define the limits of coverage provided to policyholders. Flood damage, wear and tear, and mechanical failure are typically excluded from standard policies because they fall outside the scope of typical accident-related incidents that insurance is meant to cover.

Flood damage is considered a risk that can be covered by specialized flood insurance rather than standard auto insurance. Insurance focuses primarily on unexpected events rather than maintenance issues, making wear and tear and mechanical failures types of damages that are not typically covered. These elements are seen as part of the normal depreciation and upkeep of a vehicle rather than incidents requiring an insurance claim.

In contrast, collision damages, theft, fire damages, vandalism, and accidental damage are generally covered under comprehensive and collision sections of auto policies, making the answer regarding standard exclusions clear.