Which of the following is typically NOT covered by standard auto insurance?

Standard auto insurance policies are designed to provide coverage for a variety of incidents involving vehicles, but there are specific exclusions, one of which is intentional self-inflicted damage. This type of damage is not considered an insurable risk because it results from deliberate actions by the insured, which goes against the principles of insurance that are based on risk and the pooling of premiums to cover uncertain events.

In contrast, accidental damage caused by an insured driver, damage from a natural disaster, and theft of the insured vehicle are typically covered under standard auto insurance policies. These situations arise from unforeseen circumstances that are outside the control of the insured, making them appropriate for insurance coverage. Therefore, understanding the nuances of coverage helps consumers recognize the importance of not engaging in actions that could lead to self-inflicted damage, as these will not be compensated by their insurance policy.