Which type of physical damage loss is typically not covered under a personal auto policy?

A personal auto policy generally provides coverage for various types of physical damage to a vehicle, but there are specific exclusions that are important for policyholders to understand. Loss due to wear and tear is not covered under this policy because personal auto insurance is designed to cover sudden and accidental losses rather than gradual deterioration of the vehicle. Wear and tear represents a gradual decline in the vehicle's condition due to regular use and aging, which is seen as a maintenance issue rather than an insurable event.

In contrast, losses from collision, theft, and fire are typically covered under a personal auto policy. Collision coverage protects against damage resulting from an accident, while comprehensive coverage, which is often included in auto policies, covers losses from theft and fire damage. Understanding the distinctions between these types of losses helps policyholders make informed decisions about their coverage needs and potential gaps in their policies.