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What is an Auto Insurance Declaration Page?

You might have heard about this term in this in the course of being a card-carrying adult: an auto insurance declaration page.

Stated simply, a car insurance declarations page is an abbreviated overview of your car insurance policy.

Typically this is the first page of an insurance policy, which provides pertinent information about your insurance policy, including:

  • The name of  the main policyholder) and any of other people on the policy
  • Any excluded drivers
  • Your policy number
  • The length and effective dates of your policy term
  • Year, make, model, and VIN of all cars on your policy
  • Your driving history (tickets, accidents, and any other violations)
  • Your average annual mileage

Also included on an Auto Insurance Declaration Page is other information including the following:

Loss Payees: A loss payee is an individual or institution that has an insurable (or called vested) interest in your property. This is especially the case if you are leasing your car; your car insurance declarations page will include the name, address, and contact information of any loss payees.

Coverages, Limits, and Deductibles: On your, Auto Insurance Declaration Page can find a listing of the coverages you carry on your policy — as well as limits for each of those coverages. You'll also see any applicable deductibles for your coverage.

Discounts and Premium: On your Auto Insurance Declaration Page you will also have a breakdown of your car insurance premium, for each vehicle included on your policy.

What Info isn’t Included on Your Declarations Page?

You Auto Insurance Declaration Page probably will not mention exclusions, definitions of terms and coverages, or all the optional add-ons you carry (for example, assistance or rental car coverage). If you are looking for that kind of information, check out all of your car insurance documents or speak with your agent.

When Will You Need Your Auto Insurance Declaration Page?

You probably will have to present your Auto Insurance Declaration Page if you purchase a new car. After you present this document you will be able to leave with your new vehicle.

If you or a family member has been injured in an accident caused by another person, it might be a good idea to consult an experienced personal injury attorney. We will tenaciously represent you and work to get you the maximum amount you deserve. Please contact Kalfus & Nachman today by calling (855) 880-8163. We are proud to serve the communities of Norfolk, Newport News, and Roanoke, Virginia.


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