If the named insured has Symbol 3 and acquires a panel truck, does automatic coverage apply?

• A. Yes, automatic coverage applies
• B. No, the panel truck is not a passenger auto
• C. Only liability coverage applies
• D. Coverage starts after 60 days

Answer: (B)

Automatic coverage for newly acquired autos depends on the class of vehicle described by the chosen symbol. Symbol 3 covers owned private passenger autos, not trucks. A panel truck is a light commercial vehicle, so it isn’t a private passenger auto. Because the newly acquired panel truck falls outside the class covered by Symbol 3, it would not be automatically insured under that symbol. To have automatic coverage for that panel truck, the policy would need a symbol that includes trucks or any auto, or you would need to add a specific endorsement or switch to a broader symbol.