What is typically excluded from standard PAP comprehensive coverage?

Comprehensive coverage under a Personal Auto Insurance Policy (PAP) is designed to protect against various non-collision-related incidents, including theft, vandalism, and natural disasters. However, it typically excludes certain types of damage. Mechanical breakdown, wear and tear, and intentional damage fall into this exclusion category.

Mechanical breakdown refers to failures of parts due to wear from normal use, while wear and tear is the natural deterioration that occurs over time. Intentional damage, which involves deliberately harming the vehicle, is not covered either. These exclusions are important to understand because they delineate the limits of comprehensive coverage, emphasizing that it does not protect against risks that are considered part of the ownership experience, such as the gradual deterioration of a car or damage caused by the owner’s actions.

In contrast, other options like natural disasters, theft, and accidents involving another vehicle are typically covered by standard policies, aligning comprehensive coverage more closely with protection from unpredictable, external events.