When it comes to auto insurance, there are certain situations and types of damage that are typically not covered by standard policies. Some common exclusions in auto insurance policies include:
1. Intentional Damage: Any damage caused intentionally by the policyholder is not covered.
2. Regular Wear and Tear: Normal wear and tear on the vehicle is not covered by auto insurance.
3. Commercial Use: If the vehicle is used for commercial purposes, such as delivery or ridesharing, it may not be covered under a personal auto insurance policy.
4. Racing and Reckless Driving: Damage or accidents that occur during racing or reckless driving may not be covered.
5. Unpermitted Drivers: If an unpermitted or unauthorized driver causes an accident, the damages may not be covered.
6. Vehicle Modifications: Certain modifications to the vehicle, especially those that increase performance or alter the structure, may not be covered.
7. Acts of Nature: Damage from natural disasters like floods, earthquakes, and hurricanes may not be covered under a standard policy.
It's important for policyholders to carefully review their auto insurance policy to understand the specific exclusions and consider additional coverage options if needed.