How Do I Obtain My Auto Insurance Declaration Page(s)?

Written by James Hirby | Fact checked by The Law Dictionary staff |  

Before you accept the terms of a new auto insurance policy, you should take the time to learn as much as you can about it. In the hyper-competitive modern insurance market, most auto insurance companies prefer to sign up new customers as quickly as possible. This is why it's exceedingly easy to obtain rate quotes, discounts and too-good-to-be-true deals from most major insurance companies. It's particularly easy to sign up for a car insurance policy online. Despite the hefty expense and weighty legal ramifications associated with carrying car insurance, it may be possible to obtain a good car insurance policy from a reputable issuer within 20 minutes.

Unfortunately, it's difficult to learn everything that you need to know about your new car insurance policy in just 20 minutes. In fact, the documents that fully flesh out your new policy are probably contained within a small book that would take several hours to read and understand. Once your application for a new policy has been approved, your provider will send these documents to you by mail. Alternatively, it may provide a secure PDF that contains identical information. It's important that you review these documents within a few days of opening your new policy. Otherwise, you could be surprised by a denied claim or sudden premium spike.

If you don't have time to read your policy's detailed documents right away, you should at least peruse its declaration page. This one-page document summarizes and quantifies your policy. It contains several important pieces of information, including your policy's annual premium, duration and coverage limits. In particular, these coverage limits will be spelled out: You'll see the maximum amount of coverage that you'll receive for collision-related repairs, medical bills and liability protection. Your declaration page will also spell out the limits to your policy's "comprehensive" coverages for costs related to theft, vandalism, weather and other misfortunes.

Finally, your declaration page will contain your insurance provider's contact information. In addition to the toll-free claims and customer-service hotlines that you'll probably need to call at some point, this contact information includes the regional mailing address to which you'll need to send any official correspondence.

For all of these reasons, this declaration page is important. Fortunately, you'll find it in the front of your policy's documentation booklet. When you receive this booklet in the mail, take out the declaration page and put it in a safe, dry place.

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