Understanding Your Insurance Policy’s “Dec” Page

When involved in a motor vehicle accident, it is wise to refer to the declarations page of your automobile insurance policy as soon as possible after the accident. However, because a declaration page may be long, confusing and in small print, not everyone may fully comprehend its components and the information therein.

Mainly, the declarations page provides the amount of coverage and limits you’ve chosen to purchase in case of an accident. This page also lists any deductibles, which are those amounts that must be paid before the policy’s coverage is effectively triggered. The declarations page of an automobile insurance policy typically contains the following:

  • Policy number
  • Policy period;
  • Premium total;
  • Types of coverage;
  • Coverage or liability limits;
  • Deductibles;
  • Drivers listed;
  • Drivers excluded;
  • Covered vehicles;
  • Non-factory equipment, if coverage is purchased;
  • Loss payees;
  • Discounts; and
  • Endorsements or Riders.

Insurance doesn’t always adequately cover the losses of those injured in a motor vehicle accident. All accident victims may bring a cause of action against a driver who is at fault for causing their personal injury and property damages. If you require legal assistance in litigating a claim for damages resulting from a personal injury, contact Powell Law. Our long history of success in representing the residents of Northeastern Pennsylvania makes Powell Law the clear and obvious choice for representation in personal injury matters. Contact Powell Law at (570) 961-0777 or visit us online. The consultation is FREE and you don’t pay unless we win!


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