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What Your Auto Insurance Policy Probably Does and Doesn’t Cover:

What it Should Cover:

Auto insurance policies can vary greatly due to each policyholder’s individual needs and preferences. However, most auto insurance coverage plans include collisions not caused by recklessness, liability, and "permissive use".

What it probably Won’t Cover:

Your auto insurance plan probably does’t cover your vehicle when it is being used for business like going on a sales call (unless you have commercial coverage) nor when you car is being used without your permission unless you can prove it was stolen.

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