Which of the following would be covered under the Other Than Collision portion of the Personal Auto policy?

The Other Than Collision portion of a Personal Auto policy, also known as comprehensive coverage, is designed to cover a variety of non-collision-related damages to the insured vehicle. Each of the scenarios listed—vandalism, theft, and fire damage—falls within this category.

Vandalism to the vehicle is a covered event, as it represents intentional damage that is not the result of a collision. Similarly, if the vehicle is stolen, comprehensive coverage would provide protection against the loss, ensuring that the insured is compensated for the theft. Fire damage is also protected under this section, as it encompasses damage from non-collision-related incidents, such as a vehicle fire.

Since the Other Than Collision portion encompasses multiple types of damages, including those mentioned, the correct answer reflects that damages to the vehicle caused by all of these scenarios would be included. This makes the response that includes all types of damages—vandalism, theft, and fire damage—correct as it acknowledges the full scope of coverage provided by Other Than Collision. This coverage is fundamental in securing peace of mind for vehicle owners, ensuring they are protected from a variety of unexpected events that do not involve a collision.