What coverage options are available for damage to personal property in an accident?

The correct answer highlights the availability of multiple coverage options that specifically address damage to personal property resulting from an accident. Property damage liability coverage provides protection for the policyholder if they cause damage to another person’s property while operating their vehicle. This could include damage to another vehicle, a fence, or any other physical object.

Comprehensive coverage, on the other hand, is designed to cover damage to the policyholder's own vehicle resulting from non-collision incidents, such as theft, vandalism, natural disasters, or hitting an animal. Together, these two types of coverage ensure that both the policyholder's and others' property are safeguarded in the event of an accident or other damaging incident.

This comprehensive understanding of coverage types is critical for anyone insuring personal auto exposures, as it helps ensure appropriate protections are in place for various scenarios involving damage to property.