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Question:
Do I have to pay an insurance premium after my auto is declared a total
loss?
Answer:
Yes, the auto is considered insured until you return the license plates to
the Department of Motor Vehicles. If you don't have your license plate
because your auto was stolen or because your auto and plates were burned in
a fire, then you have to go to the nearest Motor Vehicles Department office
to obtain a lost or stolen plates receipt and use that instead. You must
give that receipt to your insurance company in order to cancel your policy
and to avoid paying any additional premium.
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