Final answer:
A personal Automobile Policy with OTC Coverage covers incidents such as theft, contact with an animal, and fire, but does not cover an impact with another vehicle; that would be covered by Collision Coverage.
Step-by-step explanation:
When an insured has a personal Automobile Policy with Other Than Collision (OTC) Coverage, also known as Comprehensive Coverage, it typically covers a variety of incidents that could happen to a vehicle other than a collision with another vehicle. Covered events usually include theft, contact with an animal (like hitting a deer), and fire damage. However, an impact with another vehicle is generally covered under a different part of auto insurance known as Collision Coverage, and not under OTC Coverage.
Therefore, all of the listed scenarios would be covered by the personal Automobile Policy with OTC Coverage except for 'd. Impact with another vehicle', which would require Collision Coverage.