In the case of mechanical breakdown policies, which component is typically not covered?

Mechanical breakdown policies are designed to cover specific types of damages that occur due to the mechanical failures of vehicle components. These policies usually provide coverage for issues like engine failures, electrical system failures, and other mechanical problems that arise under normal usage conditions.

Accidental damage during accidents, however, is typically excluded from these policies because such damage is usually covered under a standard auto insurance policy or collision coverage. This separation in coverage is important as it defines the scope and limitations of mechanical breakdown policies. These policies are focused on mechanical issues that can happen independently of vehicular accidents, and therefore, accidents themselves are outside the intended scope of coverage.

In contrast, engine failures, flat tires, and electrical system failures fit within the purview of what mechanical breakdown policies aim to cover, making them typical components of the coverage provided.