What is an auto insurance declaration page

Your auto insurance declaration page is a summary of your car insurance policy. Often it is provided to you by your car insurance company. The auto insurance declaration page will include name of your auto insurance company, policy number, policy term, types of coverage, limit of coverage, cost of coverage and specified vehicles covered under your car insurance policy. 

Sometimes called the dec page, your auto insurance declaration page basically sums up the important information on your auto insurance policy. It will have name and address, descriptions of what’s insured and premium information. Your auto insurance declaration page also outlines your auto insurance policies coverages, limits, deductibles, discounts and more.

Each type of insurance you carry will have it’s own declaration page. Your home insurance policy will have a different declaration page than your auto insurance declaration page. Typically, your insurance declaration page can be found on the first page. 

If you have trouble find it, you can always talk to an agent. To contact an agent now [please click here]

What is on an auto insurance declaration page

Name of insured; Usually at the top, you should find the names of one or more the insured. The primary insured is typically first. There can also be more than one named insured. These are considered the policyholders. 

The insured property; Your auto insurance declaration page should include information about the car you drive. Model, year, make and the VIN number. If this was in reference to your home insurance policy the address and certain characteristics of the home would show up.

Auto Insurance Policy information; You will find basic policy information on your declarations page. Things like policy number, policy period & billing account to name a few. Your account is identified by your billing accounts and policy number. The policy period will state when the policy expires and what was the effective start date. 

Auto insurance discounts; If you had any discounts applied to your auto insurance policy they should be on your declarations page. This is a great way to track of what you did last year. 

Auto insurance coverage and limitations; On your auto insurance declarations page it will list limits, coverage, and deductibles. If you take an even be a more in-depth look, you’ll find premium amounts, and cost associated with the different levels of coverage you have. 

Policy endorsements and forms; Policy endorsements have certain forms that detail the ins and out of your auto insurance coverage. These numbers will show up on you auto insurance declarations page as a point of reference. 

Your agents contract information; Usually found at the bottom of your auto insurance declarations page you should see your insurance agents contact information. The location will differ between insurance companies. 

What is an auto insurance declaration page used for and what does it contain

Your auto insurance declaration page is a condensed overview of your auto insurance policy in whole. It will outline your personal information and what is covered within your policy. 

Most policies will be different in some way, but for the most part you can count on these listed below to be contained within your auto insurance declaration page;

• Name of insured and address
• Name of the insurance agent
• Name of the insurance company
• The policy number
• Policy effective dates
• Types of perils and damages covered
• Policy limits, deductibles, and premiums
• How to file a claim

Your auto insurance declaration page will include the names and details of the types of coverage you’re protected with (for example; liability insurance, collision coverage, comprehensive insurance, and gap coverage). It should also have basic vehicle information such as;

• Year, make & model of the insured car
• Mileage on the vehicle
• Vehicle identification number (VIN)
• Drivers that are excluded from the policy
• Information regarding driving and accident history

How Do I Find and Use My Insurance Declaration Page?

Once you’ve completed your auto insurance transaction, your insurance company should send you a binder of insurance. This will serve as a temporary copy of your auto insurance declaration page. Once you receive this you will want to review it, to confirm the coverage you just took out is correct. You will also be able to use this as temporary insurance proof. This can be used to register a vehicle or to show if you’re involved in an accident. 

You should be mailed a paper copy of your auto insurance policy within a few business days after receiving this. Typically you will find the auto insurance declaration page near the front. In it you will find most if not all of the information we mentioned above. 

When you first receive your auto insurance declaration page you will want to review it. Check for all the common errors like misspellings, if the coverage is what you agreed on, verify the addresses and other personal information, but overall check for anything that doesn’t seem to be correct.

If you have additional questions on how to find your auto insurance declaration page please reach out to one of our agents. They are experts when it comes to auto insurance and are know for giving people the best auto insurance rates!

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