Which of the following is an exclusion in comprehensive auto coverage?

Comprehensive auto coverage typically protects against a range of damages to your vehicle that are not caused by a collision, such as theft, vandalism, natural disasters, and falling objects. However, one of the key exclusions in comprehensive coverage is normal wear and tear.

Normal wear and tear refers to the gradual deterioration of a vehicle due to regular use over time, which includes issues like worn tires, old brakes, and fading paint. Since these conditions are expected as part of the vehicle's lifecycle and not the result of an accident or sudden event, insurance providers do not offer coverage for them under comprehensive policies.

In contrast, theft is indeed covered under comprehensive coverage, as it falls within the scope of incidents that this type of insurance is meant to address. Collision damages, as the name suggests, are covered under collision insurance, not comprehensive. Personal injury protection is also a separate type of coverage that deals specifically with medical expenses and does not relate to vehicle damage covered under comprehensive insurance.