Final answer:
OTC (Other Than Collision) coverage, typically covers events that aren't collisions with cars or objects. Scenarios like losing control due to an ice storm may be covered, whereas impacts with vehicles or poles would not. Hence, in the given scenarios, the one involving an ice storm could be covered under OTC.
Step-by-step explanation:
The term 'OTC' in the context of automotive insurance refers to 'Other Than Collision' coverage, also commonly known as Comprehensive coverage. This type of insurance generally covers damage to your vehicle that occurs due to events other than a collision with another car or object. Based on the provided scenarios:
- Impact with another vehicle, would not be covered under OTC as it involves a collision with another car.
- Collision with a pole, similar to the first scenario, also involves a collision with an object and is not covered under OTC.
- A driver losing control of the car on a curve due to an ice storm and upsetting the vehicle, might actually be covered under OTC because it can be considered an act of nature or weather-related incident.
Therefore, the scenarios where damage would be covered under OTC include non-collision events like weather-related damages (such as an ice storm causing a car to lose control), animal strikes, theft, vandalism, and other similar situations. In this case, option 3) driver lost control of car on a curve due to an ice storm and upset the vehicle would be the most plausible scenario to be covered under OTC.