Symbols 2, 3 & 4 triggers apply to owned autos of same type acquired during the policy period. Which coverages apply?

• A. Liability, Physical Damage, Medical Payments, Personal Injury Protection, Uninsured Motorists
• B. Only Liability
• C. Liability and Medical Payments only
• D. None of the above

Answer: (A)

When the policy uses symbols that cover owned autos of a given type (2, 3, or 4), any new auto you acquire of that same type during the policy period is automatically covered for the same protections that apply to your current autos. This means liability coverage for damage you cause to others, physical damage coverage for damage to your own newly acquired auto (if you have that coverage on the policy), medical payments coverage for injuries to occupants, PIP if your state requires or offers it, and uninsured/underinsured motorist protection for that auto. Because all these coverages extend to new autos of the same type, choosing all of them is correct. The automatic extension doesn’t apply to autos of a different type unless the policy includes broader symbols like 1 (Any Auto) or specific endorsements.