An insured went away for the weekend and left his truck with the battery charging for three days at home. When he returned, the battery had over-charged and acid had mixed with the gasoline, changing into sulfuric acid. The fumes contaminated the entire vehicle. The truck was unusable because the sulfuric acid caused skin irritation when a person got close to the truck. Additionally, all the metal on the truck turned green.

Our question is whether the business auto policy's exclusion of damage caused by wear and tear, mechanical breakdown, and electrical failure would apply?

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