What type of coverage would apply for theft, fire, etc.?

The appropriate type of coverage that applies for events such as theft, fire, and other non-collision incidents is known as Other-than-collision coverage, commonly referred to as comprehensive coverage. This type of insurance is specifically designed to protect a vehicle from damages that are not caused by a collision with another vehicle or object.

Comprehensive coverage encompasses a wide range of risks, including theft, vandalism, natural disasters, and fire damage. For instance, if a vehicle is stolen or damaged by a falling tree branch during a storm, comprehensive coverage would provide financial protection for the vehicle owner. This aspect of insurance is crucial for offering peace of mind against potential damages that are outside the control of the driver.

In contrast, the other coverage types listed do not address these specific risks. Liability coverage is primarily focused on protecting the policyholder against claims for bodily injury and property damage to others in an accident. Collision coverage is limited to incidents where the insured vehicle is involved in a collision, and personal injury protection focuses on covering medical expenses for the policyholder and their passengers, regardless of fault.

Thus, Other-than-collision (comprehensive) coverage is the correct answer for protecting against theft, fire, and similar non-collision related incidents.