Insurance Q&A: Is Mechanical Damage from the Wrong Fuel a Covered Loss?

The insured employee, when fueling the insured’s listed 2020 Ford F-250 truck, introduced regular fuel instead of diesel fuel into the tank, causing the engine to seize. The only damages are to the engine, and the repairs are $7,000. The CA 00 01 10 13 Business Auto Coverage Form provides physical damage coverage under Section III, A. Coverage, a. Comprehensive Coverage – “from any cause except: the covered auto’s collision with another object or the covered auto’s overturn.”. However, under B. Exclusions, 3. “We will not pay for “loss’ due and confined to: a. wear and tear, freezing, mechanical or electrical breakdown”. The question is, can we find coverage for this loss?? The policy also contains the CA-500 Business Auto Premier Endorsement but no language there appears to provide coverage for this event.