AND TEAR COVERAGE DEFINITION AND IT'S IMPORTANCE
Normal Wear and Tear is defined
as the inherent and natural wear characteristics of mechanical
parts on a vehicle. The Manufacturers of car parts specify
the lifespan and tolerances when certain parts will wear out
from normal driving habits. They do not have to "breakdown",
to wear out.
Wear and Tear is normally an
"Exclusion" on most Vehicle Service Agreements.
Many claims denials under Service Agreement terms are due
to Normal Wear and Tear situations. Most people assume their
service agreement (warranty) will pay for these claims since
those parts are not listed in the "Exclusions" section.
They then become irate when claims are denied on those parts
because they find out that "Normal Wear and Tear"
is listed as an exclusion on the policy.
Parts such as Tie Rod Ends, Wheel Bearings, CV joints, U-Joints,
Suspension Bushings, and even many engine parts are considered
parts that will wear out and not have "broken down".
If these parts have worn out past the Manufacturer's tolerances
and specified lifespan, and the agreement excludes Normal
Wear and Tear
coverage, those claims will be denied.