Which of the following would be covered under the other than collision coverage of a personal auto policy?

The "other than collision" coverage of a personal auto policy is designed to cover a range of incidents that do not involve a collision with another vehicle or object. This type of coverage typically includes damages caused by events such as theft, vandalism, natural disasters, and certain types of damage not related to a collision.

In this context, lightning is a covered event under "other than collision" coverage. If a vehicle is damaged due to a lightning strike, resulting in electrical system failure or fire, that damage would be covered. This aligns with the intent of the coverage, which is to protect against unpredictable events that can cause damage to a vehicle without the direct impact of a collision.

In contrast, wear and tear, freezing, and a punctured tire are typically not covered under this type of policy. Wear and tear refers to the gradual deterioration of a vehicle that occurs with normal use over time and is considered a maintenance issue, not an insurable event. Freezing damage to a vehicle may also fall within the realm of maintenance, as it is often related to the condition of the vehicle prior to the cold weather. A punctured tire is generally considered a maintenance issue as well and does not result from a covered peril under "other than collision" coverage