Premium charges for these automobiles are made through either a reporting form or an audit at the end of the policy period. The term was used before the advent of the business auto coverage form when a physical damage endorsement was added to the commercial auto liability policy to afford such coverage. Two versions of the endorsement were available: fleet automatic and nonfleet automatic. The business auto policy (BAP) equivalent to physical damage fleet automatic is covered auto symbol 2, 3, or 4.