Auto insurance policies may consist of pages written in dense legal language, making understanding your coverage difficult. To help customers navigate the system's complexities, insurance agents provide a declaration page that summarizes a policy’s key features. The following guide highlights a few things every driver should know about their insurance declaration page.

What Is an Insurance Declaration Page?

The declaration page will usually be the top sheet of your auto insurance policy. This document describes the details of your policy, including the type of insurance you have, the limits that apply to it, and who is covered.

If you’ve added endorsements like gap insurance, new car replacement, or rental coverage, these should also be listed on the declaration. This document should also include your deductible, premium amounts, and instructions for filing a claim. If you’re involved in an accident or your vehicle is damaged, having this information easily accessible simplifies the process.

What Are Some Common Errors in Declaration Pages?

Insurance agents try to be as thorough as possible, but mistakes do happen. When you receive your insurance policy, try to review the declaration page carefully to ensure it’s accurate. Typos in the policyholder’s name and address are the most common issues on declaration pages, and they can complicate matters when you're trying to file claims later. Your declaration might also list the wrong type of policy or it may offer lower limits than you discussed with your insurance agent.

Riders and endorsements might also be missing, or your deductible may be higher than you initially agreed to. Since any of these issues can make filing a claim more difficult and time-consuming, contact your insurance agent immediately if you notice a problem. After ensuring you have the right policy, they’ll issue another declaration containing the correct details.

As one of the most trusted agencies in Stafford, TX, JMS Insurance Agency, LLC helps clients throughout Fort Bend, Harris, and Montgomery counties protect what matters most. Their insurance agents work with various carriers, and they are committed to providing comprehensive, affordable solutions that meet your needs. Visit their website to learn more about how they can help, or call (281) 494-1500 to request a free quote.