What Is a Declarations Page?

A declarations page, also known as a coverage selections page, is your insurance company’s outline of the coverages purchased by you in your motor vehicle insurance policy. The declarations page reveals the limits of your coverage and the premium cost for such coverage. You should carefully evaluate your declarations page to determine whether you have sufficient coverage in each of the categories of coverage and/or whether you should purchase optional protection. “Full” coverage does not mean that you have purchased coverage in each category. Many people are surprised to learn that their “full” coverage is simply the compulsory coverage. Compulsory coverage may not provide adequate protection in the event of a serious injury to you, your passenger and/or family member or if a person alleges that you were negligent in the operation of your motor vehicle. As discussed in other sections above, be a good auto insurance consumer and have your agent or company explain your coverages to you. Make sure that you and your family are as well protected as possible.