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R and traded in their old car, can I just replace the vehicle? A. We cannot do a substitute vehicle transaction. If a vehicle is being replaced, you must process an Add Vehicle and Delete Vehicle transaction. Note: Do the Add Vehicle portion rst. Q. Do I need to select all of the coverages when adding a vehicle. A. The PAL system will pre-select the Liability, UM, UIM and Med Pay or MI No-Fault bene ts. Physical Damage coverage and deductibles must be selected. Q. Wh.

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