Our insured has a personal auto policy. He was driving to a small resort about five miles up a canyon road. He struck a large rock in the road, but continued on up the road. He stopped at the resort and saw that there was liquid coming from what he thought was the radiator.

He did not call for a tow, but decided to drive back down the canyon to a service station. On the way, the oil light came on. At the service station, he found out there was serious damage to the engine.

The insured's policy covers damage caused by upset or collision with another object, and excludes damage "due and confined to mechanical or electrical breakdown or failure."