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An insult. Saying someone has 3 eyes expresses offence at an action and/or phrase that they may have just said. They will probably feel embarrassed and ashamed at this, and too right! They deserve to.
"You've got 3 eyes!" **points at persons head with index, middle and ring finger in a sort of triangle**
by JJ Rudkin March 15, 2005
Insult for someone wearing a monocle.
British guy after tipping his top hat and putting a monocle up to his eye: Pip pip. Cheerio.

American guy: Fuck you 3 eyes!
by bigbadmama January 25, 2011