By which means can a vehicle sustain a loss under Other Than Collision?

The correct answer is based on an understanding of what constitutes "Other Than Collision" (OTC) losses in automobile insurance. This category of coverage includes losses that do not result from a collision with another vehicle or object. The scenarios specifically referenced in the correct option, such as theft, fire, or vandalism, are common examples of incidents that fall under this classification.

In terms of coverage, OTC is designed to protect the policyholder against various external risks that could damage the vehicle while it is not involved in an accident with another moving vehicle. This includes things like a car being stolen or damaged by fire or vandalism, which are significant threats to vehicle ownership that are typically covered under comprehensive insurance policies.

Other options represent scenarios that do not qualify as Other Than Collision losses. For example, hitting another vehicle falls under collision coverage, which is a separate category of auto insurance that specifically addresses damages resulting from accidents involving other vehicles or objects. Likewise, while owner negligence might lead to damage, it does not refer to a specific form of coverage recognized in the context of Other Than Collision.

Thus, the incidents that fall under the correct answer directly reflect the intention behind comprehensive coverage, which aims to provide a safety net against non-collision-related damages to