A personal auto policy typically does not cover damage to vehicles under the following situations:
- While the vehicle is used to carry persons for a charge;
- When caused by war, rebellion, revolution, nuclear reaction, radiation;
- The result of mechanical breakdown or failure, road damage to tires, wear and tear, freezing;
- While involved in an organized or prearranged racing event;
- An insured’s car that is rented or leased to others;
- A vehicle seized by a government authority.