When cloud tower penetrates freezing level, you get ice crystals. Crystals can bounce up and down creating layers of ice in the ice crystal. Rain is mostly melted hail. When a cumulus cloud grows, various parts get electrically charged . Lightning When hail forms, the ice crystal portion gets very negatively charged.
Rain begins when lightning begins.
When hail stones hit each other, they knock off electrons. A typical outlet has 110 volts and 20 amps. If bolt strikes nearby, you hear a clap of thunder. Cars are a safe place to be since rubber tires insulate. If you're at the base of a t-storm, you can feel the cold downdraft.