Which type of damage is excluded under Part D coverage?

Part D coverage on an auto insurance policy generally refers to coverage for damage to your vehicle, specifically under comprehensive and collision provisions. Among the damages listed, wear and tear is excluded under this coverage because it is considered a normal degradation that occurs with the regular use of a vehicle. Insurance policies typically do not cover routine maintenance issues or the gradual decline of the vehicle's value or condition over time.

This exclusion makes sense because insurance is designed to protect against unforeseen incidents like accidents or specific events that cause loss or damage, rather than the inevitable deterioration that comes from everyday use. In contrast, collision damage, damage from natural disasters, and theft of personal items would usually fall under scenarios that are covered by auto insurance policies, as they involve unexpected and sudden events.