In what scenario would comprehensive coverage apply to a vehicle under a Personal Auto Policy?

Comprehensive coverage under a Personal Auto Policy is designed to protect against a variety of non-collision incidents that can damage a vehicle. This includes scenarios such as damage caused by fire or theft, which is precisely what this option describes. In these situations, comprehensive coverage would provide financial protection to the policyholder by covering the costs associated with repairing or replacing the vehicle.

In contrast, other scenarios do not fall under comprehensive coverage. For instance, accidental damage to another vehicle typically falls under liability coverage, while injury to the driver of another vehicle is covered by bodily injury liability. Contact with an unoccupied vehicle would be classified as collision coverage since it involves a collision with a physical object. Thus, comprehensive coverage is specifically relevant in situations involving elements like fire or theft, making this option the correct answer.