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Definition of Replacement vs. Additional Vehicles The PAP defines “newly acquired auto” as “any of the following types of vehicles you become the owner of during the policy period.” It also says that “if a newly acquired auto replaces a vehicle shown in the Declarations, coverage is provided for this vehicle without your having to ask us to insure it.” Our question is, what is commonly viewed as a “replacement vehicle?” For example, if an insured sells one of their two vehicles and calls in to remove the vehicle that was sold, and then acquires another vehicle a period of time later, is the newly acquired vehicle a replacement for the vehicle that was sold, or is it an additional vehicle? I have seen in another Q&A article that a vehicle is a replacement if it’s procured after issuance of the policy and the described vehicle is disposed of by the policyholder or is otherwise inoperable at the time of replacement. But what if the described vehicle was disposed of weeks, months or years ahead of the purchase of the newly acquired vehicle, is that still considered a “replacement?”

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