If you have car insurance, you also have a very important document called the auto insurance declarations page. This page shows exactly what kind of coverage you have and how much protection it offers. The auto insurance declarations page is a key document to keep handy, especially if you need to make a claim.
What Is an Auto Insurance Declarations Page?
Your declarations page, sometimes called a “dec page,” summarizes your car insurance policy. It tells you:
- Who is covered on your policy
- What types of coverage you have (like liability, collision, or comprehensive)
- How much coverage you have (your limits)
- Your deductible (the amount you pay before insurance kicks in)
- How much your policy costs
If you live in West Virginia or Virginia, your insurance company will send you this document every 6 months or once a year, depending on how long your policy lasts. Some people get it in the mail, while others can access it through their car insurance app on their phone. Either way, it’s essential to know where to find it.
Why Is This Page So Important?
If you ever get into a car accident, your declarations page will tell you what kind of coverage you have. This helps you understand:
- If your insurance will cover damage to your car
- How much will be paid for injuries
- Whether your policy includes roadside assistance or rental car coverage
This document is also essential if you ever need legal help after an accident. A lawyer may need to see your declarations page to understand your coverage and ensure you get the compensation you deserve. If you can get this document to your lawyer quickly, it can help speed up the process.
How to Find Your Declarations Page
If you’re not sure where your declarations page is, here are some easy ways to find it:
- Check your mail – Some insurance companies still send paper copies. Look at the documents they mail you when your policy is renewed.
- Log into your insurance app – Many insurance companies let you view and download your declarations page through their app or website.
- Call your insurance agent – If you can’t find it, your agent can send you a copy.
Don’t Wait—Find Your Declarations Page Today
Knowing what’s on your auto insurance declarations page can help you stay prepared if you’re a driver in WV, VA, or MD. Take a few minutes to find yours and keep a copy where you can easily access it. Having this document ready can make everything go much smoother if you ever need to file a claim or speak with a lawyer. We’ve also created a helpful FAQ on this topic—listen to our attorneys break it down for you!
Contact us if you have any questions about your insurance after an accident. We’re here to help!