Which of the following is NOT considered an exclusion under Loss or Damage coverages?

In the context of Loss or Damage coverages under automobile insurance, exclusions refer to specific situations or types of damage that are not covered by the policy. Among the provided options, damage caused by a collision is generally covered under most automobile insurance policies, which makes it a key distinction between types of losses that the policy will address.

Collision coverage is specifically designed to protect against damages that occur when the insured vehicle collides with another vehicle or object. This means that if you're involved in an accident, the damage to your vehicle would typically be covered under this provision, in contrast to other scenarios that are more likely to be excluded, such as general wear and tear, lack of maintenance, or damage resulting from radioactive contamination.

Thus, while the other options represent situations or damages that are typically excluded from coverage, damage caused by a collision falls within the purview of what is intended to be protected, making it the correct selection in distinguishing exclusions from covered events.