Maintenance versus damage
Oil changes, brake pads and tires wear out over time. A collision, a break-in or hail is a sudden event. Policies are written around the second kind.
Typical exclusions
- Wear and tear from ordinary use.
- Mechanical breakdown without an outside cause.
- Damage from poor maintenance.
Other protection that may exist
A manufacturer or extended warranty, and some service contracts, cover certain breakdowns. They are separate from insurance and have their own rules.
Keep a simple log
A folder or phone note with dates and receipts is enough. Include any warning-light work.
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