What coverage can be expected from Symbol 3?

Symbol 3, as used in personal automobile insurance, refers specifically to coverage for "owned vehicles only" which typically includes liability coverage for those vehicles. However, it also extends to certain physical damage coverages, namely comprehensive coverage (often referred to as "other-than-collision"). This would provide protection against damage to the vehicle from events such as theft, vandalism, or natural disasters. Furthermore, medical payments can also be included under Symbol 3, providing coverage for medical expenses incurred by the insured and passengers in the event of an accident.

This understanding of Symbol 3 being linked with both physical damage other-than-collision and medical payments makes it the correct choice, as it precisely captures the coverage expected under that symbol in most automobile insurance policies. The inclusion of these components creates comprehensive coverage for the insured vehicle beyond just liability, thus fully addressing the features characteristic of Symbol 3.