Which of the following is an example of a hazard?

A hazard is any condition or situation that increases the likelihood of a loss occurring. In this context, the driver's tendency to text while driving exemplifies a hazard because it represents a behavioral risk that increases the chance of an accident. This specific behavior distracts the driver, compromising concentration and reaction time, thus making accidents more likely.

Other options, while they may be related to loss or risk, do not fit the definition of a hazard in the same way. A skiing accident is an event that may result from various hazards, but it does not describe a condition that inherently increases risk. Vandalism is more of a criminal act than a hazard condition itself. Lightning, while it can cause damage, is a natural event and does not represent a behavioral condition leading to increased risk in the same way as the texting driver. Therefore, the selected answer highlights a human factor that directly correlates to increased risk while driving, illustrating the concept of a hazard effectively.