The Declarations Page: The Centerpiece of Your Auto Insurance Policy
Usually found within the first few pages of an auto insurance policy, the Declarations Page provides information on the insured person – such as name and address – in addition to key policy information, such as the policy period and a breakdown of policy limits.
The Insurance Declarations Page often contains the following policy details:
- Name and address of the insured and the drivers of the covered vehicle(s)
- Specifics on the covered vehicle(s): Year, Make, Model, Body style, and Vehicle Identification Number (VIN)
- Itemization of Coverages (such as Personal Injury Protection (PIP), Liability, Damage)
- Policy number and effective dates of coverage (From mm/dd/yyyy to mm/dd/yyyy)
- Policy premium (sometimes broken down into payment installments)
- Deductible (The amount of your out-of-pocket costs, besides your policy premium)
- Policy Limits (how much the insurance company will pay out)
The Declarations page is generally a snapshot of your insurance policy but it is supplemented by the additional details outlined in other parts of your policy.
A Sample of an Auto Insurance Declarations Page
What does a Declarations Page look like? To help you get a better idea of this key document, we’ve provided a sample draft of how your “Dec Page” may look. Remember, all Insurance Companies have different branding and designers, so no two policy Declarations Pages may be identical.
**NOTICE** This is a SAMPLE document, and not to be used for specific policy advice.
In an accident? Make sure to have your Declarations Page handy when you consult a personal injury attorney.
For more information on your Auto Insurance Policy, reach out to our office with questions. If you’ve been injured in an accident and need to speak to an attorney, give us a call. Our firm specializes in Personal Injury cases and we are available to talk you through your insurance policy and to discuss your rights as a victim.