For symbols 2-4, what coverages do they share across the board?

• A. Liability only
• B. Liability, Physical Damage, Med Pay, Personal Injury Protection (No Fault), Uninsured Motorist
• C. Comprehensive and Collision only
• D. Medical payments only

Answer: (B)

Symbols 2 through 4 indicate which of the insured’s owned autos are covered and ensure a broad set of protections applies to those vehicles. When these symbols are used, the same range of coverages generally attaches to the owned autos: liability coverage (for bodily injury and property damage you cause to others), physical damage coverage (comprehensive and collision for the insured’s own cars), medical payments, PIP where required by law, and uninsured motorist protection. This reflects that these autos are insured under the same policy protections as the rest of the insured’s fleet, not limited to just one type of coverage. The other options narrow the coverages to only one or two lines, which wouldn’t align with how symbols 2–4 function in extending the full suite of auto coverages to those owned vehicles.