Which of the following is NOT covered under the Other Than Collision coverage?

Other Than Collision coverage in a personal auto policy is designed to protect against various risks that are not related to vehicle collisions. This includes a broad range of incidents such as vandalism, fire damage, and collisions with animals.

The reasoning behind the chosen answer is that "specific exclusions" is not a type of coverage or a type of incident that could be covered under this policy. Instead, exclusions refer to particular circumstances or types of damages intentionally left out of coverage. They can include things like wear and tear, mechanical failure, or damage from racing, but they do not represent something that can be claimed or covered. Therefore, discussing exclusions does not pertain to what is covered under Other Than Collision; instead, it indicates certain limits of the policy itself.

In contrast, vandalism, fire damage, and collisions with animals are all typically covered under Other Than Collision, making them valid claims one could file when those incidents occur.