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A car insurance policy is a contract showing the damage and dollar amounts your insurance will pay for if you’re in an accident. To bypass some of the legal language, your insurance declaration page gives you a concise overview of your policy. Know the details you can find on your declaration page and what they mean, so you understand your protection.
Your car insurance declarations page is the first page of your policy that outlines the coverage you bought and states your name and policy number.
The declaration page is sometimes called a dec page for short. You can scan your declaration page for all the important details about you, your car and your coverage.
If any details look amiss, reach out to your insurance agent to correct these. No matter how small the detail seems to you, it might affect your insurance policy’s cost or coverage.
Your insurance declaration page will look something like:
Know how to access your declarations page to view your coverage, see your protection after an accident or give proof of insurance.
A car insurance policy includes a detailed look at your protection and who receives coverage and payment. Your policy should help you understand how much and what kind of protection you have.
Your policy number is an eight- to 10-digit number that helps your insurance company find your policy and coverage. You can give this number to another driver to make a claim if you cause an accident. You’ll find this number in these places:
You may see your car insurance coverage limits written like this: 50/100/30. These numbers show the maximum dollar amount that your insurance will pay for an accident you cause.
In this case, your limits are $50,000 for injuries to other drivers or passengers per person; $100,000 maximum per accident for all injuries; and $30,000 for property damage.
If you need to change your car insurance policy, say if you’re updating your email account or if you get a new vehicle, the process should be straightforward:
Your policy is essentially a contract between you and your insurer, and it breaks down important details like the types of damage covered and costs you’re responsible to pay. Once you understand your policy, you can see how your coverage stands up and compare other car insurance companies.
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