Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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Here's what you need to know...

  • The declaration page is like a one-page version of your car insurance policy
  • The page will include a scheduled list of all makes and models of vehicles covered
  • With the premium breakdown by vehicle, doing price comparisons with the declaration page is easy
  • In the event of a loss, the declaration page of your policy is the first place to ensure you have coverage

A lot goes into a car insurance policy. You purchase a car insurance policy online or through a local agent, and what you are usually given in this massive stack of papers, or a rather large PDF document if you go the electronic route.

Within an insurance policy, you have several different parts, including cover pages, endorsements, billing instructions, among others.

The most important page of an auto insurance policy though is the declaration page and it is the one page that you always want to focus in on and be the most aware of.

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Think of the Declaration Page as a Summarized Policy

The best way to think about a declaration page for your car insurance policy is to think of it like a summarized version of everything that you purchased.

The declaration page has it all in terms of the information that is going to matter to you most should a loss ever occurs.

When you file a claim with your insurance company, the declaration page is going to be the first thing that they look at once they pull up your policy to see if the loss is covered.

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Basic Information on the Declaration Page

The basic information that you are going to get on the page seems simple, but it can be highly important. This includes things such s the name of the insurance company that you bought the policy through.

Your policy number is also going to be there, along with the named insured and the address. The named insured is probably going to be you since you purchased the policy.

If you have a car insurance policy with a spouse, there can be multiple named insured on the policy as well.

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Information to Consider In the Event of a Loss

The big information on the declaration page that is going to drive what you are entitled to in the event of loss includes the dates and monetary values in there. This is what you are actually buying when you purchase your car insurance policy in the first place.

This includes the coverage that you have for each vehicle, along with a list of all of the vehicles covered. The makes and models of all of the vehicles your insurance policy covers are going to be included right here.

The policy period will be listed so that you know when the policy goes into effect and also when it will expire. The premium that you are paying to insure each vehicle is going to be listed as well, along with any applicable policy limits.

An example of this would be if you had a $1,000 deductible for any comprehensive coverage claim you submit. That deductible will be detailed on the declaration page.

Additional Companies and Individuals With Interest

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The loss payee, lien holder on the auto policy, as well as anyone else with ownership interest in the vehicles that you own is also going to be detailed out.

If you have a car that is financed or leased, they are going to be included here so that in the event of a total loss, they are guaranteed that their loan is going to be paid in full.

You always want to review the declaration page in great detail so that you are aware of what is covered and who is covered. In the event that you have issues with what is on the declaration page, make this known to your insurance company immediately.

The premium breakdown by vehicle, along with the coverages that you have on the declaration page makes it easy to do price comparisons with other insurers in the market as well to get the most for your money value-wise.

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