What is NOT typically covered by Comprehensive insurance?

Comprehensive insurance is designed to cover a wide range of risks related to vehicles, including damages that occur from various incidents beyond the basic collision. While this type of insurance provides coverage for accidental damage, fire damage, and malicious damage, wear and tear is not included in its scope.

Wear and tear refers to the gradual deterioration of a vehicle due to normal usage over time. Insurance policies, including comprehensive coverage, generally exclude costs associated with repairs for wear and tear because these issues arise from the inherent aging of the vehicle rather than a specific insurable event. Comprehensive insurance focuses on unexpected events such as theft, vandalism, or natural disasters, rather than the expected and normal degradation associated with regular use. This distinction is important for policyholders to understand when assessing what damages may be covered under their insurance.