Caused by:

(1) Fire, lightning or explosion;

(2) Theft;

(3) Windstorm, hail or earthquake;

(4) Flood;

(5) Mischief or vandalism; or

(6) The sinking, burning, collision or derailment of any conveyance transporting the covered "auto".

The policy also has an exclusion for loss due and confined to "a. Wear and tear, freezing, mechanical or electrical breakdown."

Washington Subscriber

If the insured only has the specified causes of loss coverage, this damage is not covered. Comprehensive coverage would apply. The mechanical breakdown exclusion would not apply since that refers to some problem inherent in the vehicle, that is, a mechanical breakdown that occurs from inside the vehicle itself and not due to some outside force. In this instance, the damage occurred because of the negligent actions of the employee and not because of some problem within the car itself.