Which of the following is NOT an exclusion under Garage Insurance Physical Damage coverage?

The correct choice indicates that expected losses are not considered an exclusion under Garage Insurance Physical Damage coverage. Essentially, Garage Insurance is designed to cover a variety of risks associated with vehicles, including those that may occur while they are in a garage setting.

Expected losses, as a concept, refer to situations that are anticipated and are generally not unexpected risks that would require coverage. In the context of insurance, exclusions typically apply to things that insurance does not cover, which are often losses that could have been foreseen or avoided.

In contrast, the other options – wear and tear, intentional damage, and mechanical breakdown – are considered exclusions because they represent losses that insurance companies typically do not cover. Wear and tear is a naturally occurring process, intentional damage is a result of deliberate actions, and mechanical breakdowns are issues that arise from the normal operational functionality of vehicles. Therefore, expected losses, being more of a forward-looking concept rather than a direct result of an unforeseen incident, do not fall within the usual exclusions found in Garage Insurance Physical Damage coverage.