Which peril is NOT covered under other-than-collision coverage?

The reason that damage due to faulty repairs is not covered under other-than-collision coverage lies in the nature of insurance policies and the definitions of the types of coverage they offer. Other-than-collision coverage, often referred to as comprehensive coverage, generally includes risks that are beyond the driver's control, such as natural disasters, theft, vandalism, or fire.

Faulty repairs, on the other hand, pertain to issues that arise due to a lack of proper servicing or maintenance of the vehicle. This type of damage is considered to be the result of human error or negligence in handling the vehicle rather than an unavoidable peril affecting its condition. Therefore, it is not classified as a peril covered by other-than-collision coverage.

In contrast, perils such as flood damage, fire damage, and theft of the vehicle fall squarely within the types of incidents that comprehensive coverage is designed to address, as these can occur suddenly and unpredictably, without any direct action by the vehicle owner. The distinction hinges on whether the damage is a result of an external risk or an internal fault.