Misuse of the car such as driving over kerbs, overloading, racing, etc. You’ll find proper usage described in the owner’s manual
Events such as collision, fire, theft, riot, etc
Cars categorised as 'total loss' or 'insurance write off'
Alteration, modification, tampering, etc
Damage or surface corrosion from the environment such as acid rain, airborne fallout (chemicals, bird lime, tree sap, etc), salt, road hazards, hail, wind, storm, lightning, floods and other acts of God
Cosmetic conditions or surface corrosion from stone chips or scratches in the paint