What is an Auto Insurance Policy Declaration Page?

An auto insurance policy declaration page, also referred to as the "Dec" page is a summary of a personal auto policy and will help answer the question: "What is an auto insurance declarations page?"

Following is an example of a Policy Declarations Page similar to ones used by auto insurance companies throughout the United States when issuing the Personal Auto Policies:

auto insurance policy declarations page
 
As shown above, the declarations page consists of information such as:

  • Name of insurance company - the insurer.
  • Policy number - used to reference the policy.
  • Policy periods - effective date and expiration date.
  • Named insured and address - the policyholder.
  • Description of included vehicles - year make and model of listed vehicles.
  • Coverage for each vehicle - type and limits of coverage.
  • Premium for each vehicle - the cost breakdown for each vehicle and each coverage.
  • Loss Payee, Lien holder, Additional Interest or Additional Insured - the finance or leasing company or person listed as owning the interest of the vehicle.
  • Endorsements - changes made to the policy or special conditions.
It is a good idea to review the information for accuracy and to keep a copy of your declarations page for your records. This can useful for future discounts by showing proof of prior insurance or to show as proof of coverage upon request.

Declaration pages are issued upon inception of policy and upon renewal of the policy which will be referred to as "renewal declarations page". Also, if a change is made to a policy, a revised or endorsement declaration page will be issued updating the changes made.

Many of the coverage descriptions may be abbreviated, however in the example above, the coverage is completely listed in thousands.

The above declarations page example has the following coverage:
  • A combined single limit of $100,000 liability coverage. (coverage towards others)
  • Medical payments of $1,000 (medical coverage for policyholder and passengers)
  • Uninsured Motorist Coverage of $25,000 which will pay for medical injuries as a result of another person having no coverage.
  • Collision and Other than Collision coverage with $100 deductibles. This will provide coverage for the policyholder's vehicles.
  • Towing and Labor Cost coverage for $25 per occurrence.
Once can learn more and even complete a free auto insurance comparison and purchase auto insurance online by visiting OnlineAutoInsurance.com.


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