A “declarations page,” or “dec” page, is a document in your insurance policy that provides an overview or snapshot of your coverage.
It contains important information regarding certain aspects of your insurance contract, which may vary by insurance company.
Below is basic policy information that should be found on most insurance declaration pages:
– The name of the insurer who holds your policy and the company who sold it to you (if they are not the same) is often included, along with related contact information.
For example, you may have received a policy from an independent insurance agent, whose information would be listed in addition to the information of the company who issued your policy and who will be responsible for paying any claims.
– The named insured is almost always listed next.
This outlines the person or people who are insured to drive the vehicle. Typically this includes the spouse if the policyholder is married. The named insured can be any number of individuals or groups, depending on your policy.
– The policy period or effective dates.
It may read, ”beginning at 12:01 a.m. on January 1, 2010 and ending at 12:01 a.m. December 31, 2011,” for a 1 year policy term.
Your insurance company will deny any claims that occurred before the inception date or after the policy ends. Not that insurers typically go by the date an accident occurred, not the date it was reported.
– The vehicles insured under the policy are also listed on the dec page.
There are multiple pieces of data that may be listed here, however it is most common to see the year, make, model and VIN number of the vehicle(s).
Although not as common, a declarations page may also include any endorsements to your policy, leinholders or loss payees, garaging address, and rating information, such as the discounts (good student, good driver) you received for your policy.
Finally, a signature of the person who sold or issued your policy is included somewhere on the dec page to make it official.
As always, you should get an online rate quote to ensure you are getting the best rate and coverage available. It is recommend that you purchase as much insurance as you can reasonably afford.