Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 6, 2020

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Here's what you need to know...

  • A declarations page is often called a dec page by agents and other professionals in the industry
  • This page is the single most important document that you’ll receive because it summarizes the information that you’ve provided for rating purposes and defines the coverage that’s provided
  • Some of the information that you can find on this page include: name, address, description of covered autos, usage, rated drivers, discounts, and coverages for each vehicle

When you sign up for car insurance your auto insurance provider will send you an envelope full of different papers and disclosures. The environmentalist in you might see the papers and think of the waste, but each and every document that you’re sent is important.

The most important and most specific document is the declarations page. A declaration’s page, which goes by dec page for short, is a detailed document that declares what’s covered and for how long.

Since car insurance is a legal contract between you and an insurer, it’s important that both you and the company are on the same page. Sending a dec page protects the insurer and informs the consumer.

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What is the difference between a dec page and an insurance quote?

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A declaration’s page and an insurance quote are two very different things. A quote is a form that includes an estimate for coverage.

It details much of the same information that’s found on a dec page but doesn’t provide you with any coverage.

Quotes are not binding and are strictly to show a client what they might pay if they bought insurance.

A declaration page is binding. It’s all of the pertinent information that affects your premiums.

It includes what’s being covered, how much coverage is provided, who’s covered, when coverage ends and when coverage started. Since one provides coverage and

Since one provides coverage and the other only prices it, you can see how damaging it could be to mix the quotes and dec pages up.

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What type of information can you find on a declaration’s page?

If you’re looking for any type of information on your auto insurance coverage or how you’re being rated, the place to look would be your declaration’s page.

That’s because all of the information that’s specific to you will be found on that document.

Here’s a breakdown of what you’ll find on this single piece of paper:

  • Your name and mailing address
  • The named insured and additional insureds
  • The garaging zip code of vehicles listed
  • Names of all rated drivers in the household
  • A description and the VIN’s for all covered autos
  • Coverage limits carried on each vehicle
  • A list of rejected coverage options
  • Total premium and premiums for each coverage
  • The deductibles that you must pay for physical damage claims
  • Discounts that you’re receiving on the policy

What’s the difference between dec pages and ID cards?

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ID cards include personalized information, but not as much. The purpose of your ID cards isn’t to show you the who, what, when and how much, but instead, they show other parties that you’re covered by a licensed insurer.

The purpose of your ID cards isn’t to show you the who, what, when and how much, but instead, they show other parties that you’re covered by a licensed insurer.

They can be given to other drivers after an accident and to law enforcement when they’re requested.

In most states, you’re required by law to present proof of insurance at all times when an officer asks.

ID cards are the proof that you would show. The dec page is a different document that should be kept in your home and filed away until you need to reference it.

It’s also good for review when you aren’t sure if your premiums are accurate.

Are the dec page and the auto insurance policy the same thing?

A contract is divided into two sections: a dec page and a policy.

While many people call the declaration’s page the insurance policy, the policy is actually a separate part of the contract that includes:

  • Insuring agreement
  • Definitions of insurance terms
  • Conditions
  • Policy exclusions
  • Endorsement definitions

The policy comes in a booklet that is full of contractual information but not specific information about you.

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When do you receive an auto insurance dec page?

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The first time you receive a dec page will be shortly after you sign up for coverage.

The company sends out the document with your policy and other disclosures after your information has been fully underwritten.

If there are changes in rating after underwriting, you could find new premiums from those that you were quoted on this paperwork.

If you make any changes to your policy you’ll receive an endorsed dec page. This endorsement shows all of the new details and the new premium charges under the policy.

This endorsement shows all of the new details and the new premium charges under the policy.

Some changes might not have an effect on your premiums but you’ll still get updated paperwork so that you have the most up-to-date information.

The last scenario where you’ll receive a dec page is when the policy is up for renewal. When insurance policies renew, the policy is reassessed and the company adjusts rates based on new factors.

About 30 days before your renewal is to take effect you’ll get the new dec page. This page shows you all of the upcoming details and your new rates.

When might you use a dec page?

This paperwork might stay filed away for most of the life of your policy, but there will be times you’ll need to know where it is.

Here are some examples of times where the dec page will make life easier for you:

  • A Tool for Price Shopping – It’s difficult to shop around when you don’t have a reference tool. The dec page is the reference tool that you can use to quote apples to apples. This is the only really effective way to see if you’re getting the best deals.
  • Reference for Claims – If you have a claim to file and you’re not sure if you have coverage, pull out the dec page and see. You can find all of the coverage on your car right on the document.
  • Lender Verification – If your vehicle is financed or leased, you need to show your lender you have coverage. You can provide your dec page and show that they’re listed as a loss payee on the policy when they don’t have coverage on file.

Now’s the time to get your dec page out so that you can see if you’re being charged fair rates. To shop for insurance you can use an online rating tool and enter all of the information on your paperwork.

Once you see what the competitors are charging, it’s up to you to make the switch.

Enter your zip code in our FREE tool below to compare car insurance rates instantly!

References:

  1. https://www.irmi.com/online/insurance-glossary/terms/d/declarations.aspx
  2. http://www.iiat.org/infocentral/policy-coverages/auto-dealers-(iso)/covered-autos-coverage/physical-damage-coverage
  3. https://www.thebalance.com/what-is-an-insurance-quote-527552
  4. http://www.ct.gov/dmv/cwp/view.asp?a=1523&q=251214
  5. https://www.scc.virginia.gov/boi/co/pc/auto/PP00010105.pdf
  6. http://www.insureuonline.org/consumer_auto_faqs.htm
  7. https://www.thebalance.com/insurance-endorsement-or-rider-2645729
  8. http://www.mass.gov/ocabr/insurance/vehicle/auto-insurance/massachusetts-consumer-bill-of-rights-for.html
  9. http://www.propertycasualty360.com/2013/01/16/nginsights-apples-to-apples-quotes-and-the-geico-c
  10. http://www.investopedia.com/terms/l/loss-payee.asp