This declaration page \u2014 or \u201cdec page\u201d \u2014 can usually be found on the first page of your insurance policy. It will contain basic information about your policy, including all the drivers listed on your car insurance, information about the insured vehicles, and how much coverage you purchased. <\/p>\n\n\n\n
For an auto insurance policy, your declaration page should cover at least the following: <\/p>\n\n\n\n
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- Information about your policy<\/strong>: It will outline your policy number and auto insurance company, the effective dates of coverage, and your agent\u2019s name and contact information, if applicable. <\/li>\n\n\n\n
- Who it covers<\/strong>: It should also list the name of the policyholder (or named insured) and other drivers covered under the policy.<\/li>\n\n\n\n
- What it covers:<\/strong> You\u2019ll find information about all vehicles covered by the policy on your declaration page, including the vehicle identification number (VIN), make, and model.<\/li>\n\n\n\n
- How much it covers:<\/strong> All of the applicable types of coverage<\/a> and coverage limits will be listed on your declaration page.<\/li>\n\n\n\n
- What you have to pay:<\/strong> You\u2019ll also find information about your expected financial contributions, like any deductibles<\/a> and premiums for your policy. <\/li>\n<\/ul>\n\n\n\n
Since all of this information is available on a single sheet, it\u2019s a great point of reference for any policy information that you might need in a pinch, such as your agent\u2019s contact information, your deductible, your agreed-upon premiums, or your coverage limits.<\/p>\n\n\n\n
How to read a car insurance declaration page<\/h2>\n\n\n\n
To help you better understand the information on your auto insurance declaration page, our expert insurance team at Jerry created this mock page example.<\/p>\n\n\n\n
![\"\"](\"https:\/\/getjerry.com\/wp-content\/uploads\/2024\/08\/Declarations-1.png\")
<\/figure>\n\n\n\nNot all auto insurance declaration pages are formatted the same, but they should include all applicable information.<\/p>\n\n\n\n
At the top of the page, you\u2019ll find your policy number and its effective dates\u2014otherwise known as the start and expiration date of your policy period. As you move down the page, you\u2019ll also see information about the policyholder and other covered or excluded drivers, plus your insurance agent, coverage limits, premiums, and any deductibles<\/a>.<\/p>\n\n\n\n
Following that, you may also see additional information, such as:<\/p>\n\n\n\n
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- Discounts<\/strong>: If you have a discount on your policy \u2014 such as for bundling your auto and home insurance<\/a> or renters insurance policy \u2014 it will be on your declaration page. <\/li>\n\n\n\n
- Lienholder information:<\/strong> If your car is financed or leased, the lender\u2019s information will be included on your declaration page as a loss payee. <\/li>\n<\/ul>\n\n\n\n
One thing it might not include is exclusions to your policy. You\u2019ll need to contact your agent or look at your other policy documentation to find that information. <\/p>\n\n\n\n
How to get a copy of your declaration page<\/h2>\n\n\n\n
When you purchase car insurance<\/a>, you should receive a copy of your policy. The insurance declaration page will usually be the cover sheet for your policy and should be the first page you\u2019ll see. <\/p>\n\n\n\n
If you need a new declaration page, request one from your auto insurance provider by calling, visiting their website, or using their mobile app. Another solution is to use the Jerry<\/a> app. If you purchase a policy with Jerry, you can find your declaration page and any other important policy information in our app\u2019s virtual glovebox.<\/p>\n\n\n\n
Can you use a declaration page as proof of insurance?<\/h2>\n\n\n\n
No \u2014 you should not rely on your car insurance declaration page as your sole proof of insurance<\/a>. If you\u2019re purchasing a vehicle or are pulled over by the police, your car insurance ID card is the best way to prove you have insurance and is accepted in all 50 states. You can also use a digital insurance ID card in every U.S. state except New Mexico.<\/p>\n\n\n\n
Without one of these official documents, you risk getting into legal trouble during a traffic stop. You should always keep a copy of your insurance ID in your car\u2019s glove compartment. Or, if you use Jerry, it can be found directly in the app.<\/p>\n\n\n\n
SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div>Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n\n \n\n FAQ <\/h2>\n \n \n \n
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- \n \n \n \n\n \n \n How can I obtain a copy of my auto insurance declaration page? <\/span>\n\n \n <\/span>\n <\/div>\n\n \n \n\n
You can request one from your insurance company online or through their mobile app. Drivers who use Jerry can also access their declaration page in our app\u2019s dashboard.<\/p>\n<\/div>\n <\/div>\n<\/li>\n\n\n\n
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\n\n \n \n What are the parts of a declaration page?\u00a0 <\/span>\n\n \n <\/span>\n <\/div>\n\n \n \n\nThe five basic parts of a car insurance declaration page are: <\/p>\n\n\n\n
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- Policy information<\/li>\n\n\n\n
- Names of everyone insured on the policy<\/li>\n\n\n\n
- Vehicle information<\/li>\n\n\n\n
- Coverage types, limits, endorsements, and exclusions<\/li>\n<\/ul>\n\n\n\n
Premiums, discounts, and deductibles<\/p>\n<\/div>\n <\/div>\n<\/li>\n\n\n\n
- \n \n \n \n\n \n \n Is an insurance declaration page the same as a binder? <\/span>\n\n \n <\/span>\n <\/div>\n\n \n \n\n
An insurance declaration page isn\u2019t the same thing as a binder. While both documents contain basic policy information, a binder is a temporary insurance policy<\/a> that drops once your insurance coverage is processed, while a declaration page remains valid throughout your policy term.<\/p>\n<\/div>\n <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n \n <\/div>\n\n\n\n
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- Lienholder information:<\/strong> If your car is financed or leased, the lender\u2019s information will be included on your declaration page as a loss payee. <\/li>\n<\/ul>\n\n\n\n
- Who it covers<\/strong>: It should also list the name of the policyholder (or named insured) and other drivers covered under the policy.<\/li>\n\n\n\n