If you have basic questions about your car insurance policy, your first thought is probably to contact an agent. But did you know that you can find the most important information about your policy on the declarations page? Knowing what this page is, what it includes and how to find it can make it easier to get your policy information when you need it.
What is an auto declarations page?
An auto declarations page is a document that contains important information that pertains to your car insurance policy.
You can find details about your coverage and policy limits and your insurance agent’s contact information. The declarations page, which is commonly abbreviated as the “dec page,” is typically found in the front of your car insurance policy documents.
What does an auto declarations page contain?
Your auto insurance dec page contains information about your policy. If you have questions about your insurance coverage, you likely will find the answer on the declarations page. Here is some of the information it includes.
Your name and vehicle information
If you are the main policyholder, you will find your personal information and vehicle information listed on the dec page. This section will include your name, contact information and the address the car is registered to. You can also find your car’s VIN number, license plate number, and make/model/year.
Almost every dec page will include the name of an agent from your insurance company, even if you bought a policy online. It will have their contact information and the address of the physical office they work from if they have one. This is the person you should call to file a claim or change your policy unless specifies otherwise.
Name of your lender
If you have an auto loan or you drive a leased car, the name of your lender will be listed as a lien on your declarations page. After you pay off your loan, or if you make changes to your lease, notify your insurance company so they update the dec page.
Next, you will find the details of your policy. This section will include your policy number and the start and end date of the policy. You will also be able to see which covered losses are included in your policy, what your coverage limits are and your deductible amount.
The amount you pay for your insurance will also be listed on the declarations page. If you pay monthly, you will see the monthly rate. If you pay bi-annually or annually, that will be specified along with the amount owed.
If you are able to add discounts to your policy, these will be listed on your dec page. If you add or drop discounts throughout the year, your dec page will reflect those updates.
Who needs an auto declarations page?
Every driver who has an auto insurance policy should have a copy of their declarations page handy. If you get into an accident or need to file a claim, it is helpful to know exactly what is and is not going to be covered. It also shows you what your coverage limits are, including for add-on coverages.
Review your car insurance policy at least once a year and make sure that everything is accurate. For example, if you pay off a car loan, you need to notify the insurance company so the lender can be removed from your policy. If you think you’re paying too much for insurance, you can look at your dec page to see where you can reduce coverage or add discounts.
Assume that the information listed on your declarations page is the same information that the insurance company has in their files. So if your name is misspelled, or your license plate number is wrong, it should be corrected as soon as possible. If you do not have a copy of your dec page, it is hard to verify that the information is accurate and up-to-date.
How do you get your insurance declarations page?
When you purchase an auto insurance policy, you receive documents. The front page is your declaration page. Every driver should have a copy of their declaration page either in hard copy or electronic format.
If you misplace the binder, you can download your policy documents and your dec page from your insurance company’s online portal or mobile app. It can be helpful to have a copy accessible on your phone if you need to reference it after an accident. You can also get a copy of your insurance declarations page by calling an agent.
Frequently asked questions
What is the best auto insurance company?
The best car insurance company is going to be different for every driver. Each company has its pros and cons, and will appeal to different drivers. When you are shopping for car insurance, it is important to compare providers and find the one that meets your specific needs.
What information is not included on the declarations page?
Insurance declarations pages tend to be very comprehensive documents. However, there is some information that is not included. For instance, you will not find your social security number on the dec page. You might also not see certain coverages that come standard with your policy, like identity theft protection or rental car reimbursement. Any coverage that you are paying extra for should be listed.
What if the information on my declarations page is wrong?
If you review your dec page and find incorrect information, you should contact your insurance company immediately to have it updated. You should also notify an agent if you get a new car, get a new license plate, change your last name, or add a driver to your policy. After the information is processed, you will receive an updated copy of your declarations page with the changes reflected.