Which of the following costs is NOT covered under physical damage coverage?

Physical damage coverage is designed to protect against specific types of damage to your vehicle resulting from various incidents. While it covers costs related to vandalism, collision with other vehicles, and other unexpected events, it does not cover expenses arising from normal deterioration and depreciation of the vehicle.

Wear and tear is a natural process that occurs over time as a vehicle is used; it includes issues like tire wear, brake pad wear, and general aging of the vehicle's components. Insurance policies typically exclude these costs because they are considered a normal part of vehicle ownership, rather than damage caused by an accident or unforeseen event.

In contrast, explosion in the engine, vandalism damages, and collision with another vehicle are all classified as covered incidents under physical damage coverage since they result from sudden and unexpected events that cause significant damage. This makes wear and tear distinctly different from the other options, underscoring why it is not covered under this type of policy.