What is not covered under specified cause of loss physical damage coverage under a commercial auto form?

Specified cause of loss physical damage coverage under a commercial auto form provides protection for specific risks outlined in the policy. These typically include events like theft, fire, and certain types of water damage. However, glass breakage, while a loss that can occur to a commercial vehicle, is generally not included under this particular type of coverage. Instead, glass breakage may require a separate endorsement or be covered under comprehensive or collision coverage, depending on the policy terms.

Recognizing that glass breakage is not one of the specified causes of loss that the insurance explicitly insures against helps clarify the limits of this coverage. On the other hand, fire damage, theft, and even certain types of water damage are typically included as protected events under specified causes of loss in a commercial auto insurance policy. This understanding is crucial for anyone handling claims or assessing coverage in the context of commercial vehicle insurance.