Your auto insurance declaration page—also called an “auto dec page”—is where you’ll find key details about your coverage types, policy start and end dates and any additional insureds. Think of this page of your
car insurance policy as a summary of your coverage—it doesn’t include full policy details or exclusions.
A declaration page for car insurance typically includes:
- Existing policy period: You’ll see when your coverage starts and when the policy will end. You may have a policy term that’s effective for six months or a long-term policy that provides coverage for a year.
- Drivers: Your car insurance declaration page shows insured drivers on your policy.
- Vehicles: The declaration page will detail the vehicle identification number, make, model and year of vehicles covered under your auto policy.
- Loss payees: This refers to the person on the policy to whom the insurance company will pay claims.
- Premium: Your car insurance premium is another term for insurance cost. So, your declaration page will tell you how much your insurance coverage costs for the policy period.
- Coverages: You’ll find details on the type of car insurance coverages that make up your insurance policy. This can include liability coverage, bodily injury and property damage coverage or personal injury protection.
- Limits: Coverage limits are the maximum amount your insurance company will pay for a loss.
- Deductibles: Your car insurance deductible is the amount you have to pay for claims before your coverage starts.
- Discounts: The declaration page will list car insurance discounts that you qualified for from your insurance company, such as driver training discounts or bundling savings.
Be aware that your declaration page won’t include certain coverage details, like excluded drivers. And depending on your insurer, your automobile declaration page may not include any endorsements you added to your policy.
