What type of insurance coverage would compensate for vandalism and fire damage to an insured vehicle?

Comprehensive coverage is the correct type of insurance that compensates for vandalism and fire damage to an insured vehicle. This form of coverage is designed to protect against a range of non-collision-related incidents, including theft, vandalism, fire, and natural disasters.

When a vehicle suffers damage from vandalism, such as broken windows or defaced paintwork, comprehensive coverage provides financial compensation for repairs or replacement. Similarly, if a vehicle is damaged or destroyed by fire, comprehensive coverage ensures that the insured can recover the losses incurred from such an event.

In contrast, liability coverage protects against claims made by others for injuries or property damage caused by the insured, but it does not cover damage to the insured's own vehicle. Collision coverage specifically applies when an insured vehicle is involved in a collision with another vehicle or object, providing for repair costs resulting from the accident, but again, it does not address non-collision events like vandalism or fire. Personal injury coverage pertains to medical expenses resulting from car accidents and does not cover vehicle damage at all. Thus, comprehensive coverage is crucial for addressing the types of damages outlined in the question.