Business/Commercial Auto Insurance Policy - For most Americans living in cities like Los Angeles, California, owning an automobile makes it easier to travel. However, it can also be a source of serious financial liability. Personal liability arising from accidents or cost of repairing or replacing a damaged or stolen auto, can be very costly liability.

This is one reason West Covina auto insurance or California auto insurance is common among business owners. West Covina car insurance is a policy with an commercial auto insurance company in West Covina, California, in which you agree to pay a premium that covers and offer protection from financial losses in an event of a car accident. However, other automobiles aside from cars can also be under insurance, like motorcyles.

Auto Liability Insurance Policy
California auto liability insurance is compulsory based on the laws, requiring car owners to maintain liability insurance as a condition of licensing or use on public roadways. The same with California motorcycle insurance for motorcyle owners. Car or motorcycle in West Covina, California usually covers a number of coverage in one package policy: property, liability and medical coverage.

• Property coverage pays for damages or theft of your car or motorcycle
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage
• Medical coverage pays for the cost of treating injuries, rehabilitation and funeral expenses

The Personal Automobile Policy
In West Covina, California, the common policy is the personal automobile policy (PAP). The PAP is designed primarily for private passenger cars, but protection can be extended to cover motorcycle and other types of auto. It offers the following coverage:

• Car or motorcycle owner protection against loss from legal liability arising from bodily injury or property damage caused by an automobile accident
• Medical or funeral payment coverage due to body injury(s)
• Physical damage coverage due to collision incidents and non-collision incidents, such as theft, fire, or storm damage
• Uninsured car or motorcycle motorist coverage for injuries sustained in a car or motorcycle accident with an uninsured (or a hit-and-run) drive
• Underinsured car or motorcycle motorist insurance covering the difference between actual losses sustained, and what an insured individual can collect from an at-fault uninsured or underinsured driver, up to policy limits.

Aside from the once mentioned, additional insurance coverage can also be include to a basic insurance policy. You can extend the liability to cover non-owned car or motorcycle which standard policy provisions in West Covina, California and other cities would otherwise exclude. You can also insure such as snowmobile, motor scooters, go-carts, golf carts, antique and classic cars, where separate policy can be used to cover these vehicles.