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Young-woman-getting-ready-to-test-drive-new car Ancillary vehicle protection products aren’t insurance under most state laws. (Photo: Thinkstock)

Financial and insurance firms, insurance producers and motor vehicle retailers offer, market, sell and administer a myriad of ancillary protection products in the motor vehicle space. Although they’re not a substitute for automobile insurance, ancillary vehicle protection products may offer coverage in the event of a natural disaster (such as flood or hail damage), financial problem (such as unemployment or disability), crime (vehicle vandalism or theft), or a motor vehicle accident. The most common ancillary  vehicle protection products are:

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