Under 'Auto coverage: Other than collision,' which item is not covered?

• A. Hail damage
• B. Theft
• C. Vandalism
• D. Wear and tear

Answer: (D)

Under comprehensive auto coverage, the focus is on losses that happen without a collision. This type of coverage pays for damage from external perils or events such as hail, theft, and vandalism—things that are not caused by you crashing the car and are generally unexpected. Wear and tear, however, is the gradual deterioration that comes from normal use and aging of the vehicle. Insurance is designed to cover sudden, accidental damage from perils, not ongoing maintenance or aging issues. Therefore wear and tear is not covered under the “other than collision” portion of auto coverage.