An injured claimant is often a third party to the insuring contract, So the answer would be yes.
No. Liability insurance covers damage you do to someone else's property. Theft would be covered by comprehensive insurance. In most jurisdictions, liability insurance is required but comprehensive is not.
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.
General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.
No, vandalism is covered by comprehensiveinsurance.
You will need professional liability insurance, this will just help ensure that you are covered. A physician's assistant is usually covered through the physician's professional liability insurance but it never hurts to have your own on top of that.
No, it's a separate coverage that you may purchase.
your not covered for damages
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Theft will be covered by most auto insurance policies as long as you have full coverage insurance. It will not be covered if you only have liability or basic coverage.
Personal liability insurance provides additional coverage to other insurance policies. Without personal liability insurance, any thing that one's home or car insurance could not cover, one would have to pay out of pocket. Personal liability insurance will cover those fines.
Anybody who subscribes to a liability insurance company is completely covered from any kind of lawsuits. A business liability insurance would cover the base costs of the defense fees.