Which of the following is NOT considered a peril in auto insurance?

In the context of auto insurance, a peril refers to a specific risk or cause of loss that is covered under an insurance policy. Among the options provided, fire, theft, and collision are all recognized perils that can lead to damage or loss of a vehicle, making them essential components of an auto insurance policy.

Fire is a common peril as it directly impacts the vehicle's condition, potentially leading to substantial damage. Theft is also included as it represents a risk where the insured vehicle is stolen. Collision, by its nature, refers to the occurrence of an accident where the vehicle is involved in a crash with another object or vehicle, leading to physical damage.

In contrast, the peril of wind or hail is typically associated more with property insurance related to buildings and their contents, rather than specifically to automobiles. While storms can cause damage to vehicles if they are parked outside, this particular risk is generally not classified as a peril under a standard auto insurance policy. Instead, comprehensive coverage would address damage from such natural events, but they are not primary perils when discussing auto insurance risks directly related to the operation or use of the vehicle.

Thus, wind or hail does not fit within the traditional definition of perils covered specifically under an auto insurance policy, making