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It is unlikely that a car loan has death benefits stipulations included. The best option is to contact the insurer and the lender ask about the terms of the loan agreement and the insurance policy. Or simply read the original agreement made with the lender and your auto insurance policy.

Actually, it's not at all unusual for a car loan to have Credit Life and Disability attached. The lenders make a lot of money on these policies and I have never gotten a loan where this was not offered.

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Q: How do you find out if insurance will pay the car off if your spouse dies?
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