A declarations page is the first page of an insurance agreement, and it contains all the important details of the policy. The purpose of a declarations page is to enable a thorough understanding of a policy by summarizing exactly what the policy entails without having to read all the fine print of the insurance agreement. When changes are made to a policy, an insurer will send the insured a revised copy of the declaration page.
The declarations page (also called a “dec page” or “information page”) contains all of the primary policy holder’s personal information including name, birth date, and driver’s license number (for auto insurance) as well as the details of the insurance company and agent. More importantly, it contains the insured’s policy information including who is on the policy, what vehicles are on the policy, and what coverage types and limits apply to each vehicle. It also contains lender information if the insured vehicle is financed. Lenders want to see this rather than just proof of insurance to verify the added levels of collision and comprehensive coverage that they require.
Insurance declarations pages are especially useful to consumers for comparing different policies while shopping around, and for verifying that requested changes to a policy were carried out.
To get a car insurance card, request one by logging into your account on the car insurance company’s website or by calling customer service. Insurance companies generally send new customers two copies of their insurance card in the mail along with the other details of their policy when they sign up. Some insurance carriers also provide insurance cards via email, the company’s smartphone app, insurance agents, or brokers.… read full answer
Police officers commonly ask for proof of insurance when they pull you over. If you don’t have it, you’ll likely have to pay a fine.
2. You get into an accident
One of the first things that you need to do after getting into an accident is exchange insurance information with the other driver. Your car insurance card will have all of the information that the other driver needs if they plan to file a liability insurance claim.
If you lose your insurance card, or you realize the information is incorrect, you should contact your insurer immediately to get a replacement. Your insurance company will usually email you a temporary card or have you download one from their website until a physical card can arrive in the mail.
If your card is missing or contains errors and you aren’t able to provide proof of insurance during a traffic stop, you will likely be ticketed for driving without insurance. If you do have a policy, most states will allow you to provide proof of insurance after the fact and have the ticket dismissed. However, you might still need to pay fees or fines, and the added inconvenience can be avoided by keeping your insurance information in your car at all times.
Digital Insurance Cards
Insurance cards these days aren’t always physical cards. Digital insurance cards are considered legally acceptable proof of insurance for a traffic stop everywhere except New Mexico. But if you plan on using digital proof of insurance, make sure you know how to access it in advance so you’re not scrambling when you need it. Having a paper copy in your glovebox is still a smart back-up in case of technical difficulties, too.
At the end of the day, maintaining insurance coverage and keeping an accurate insurance card in your car can prove that you have the necessary coverage and protect you from the penalties that come with driving uninsured: fines, a suspended license, and even jail time.
So you lost your declarations page? Not a big deal typically.
First, call your insurance agent and ask them to email you a copy.
Second, call your insurance company (or log into them) and request them to email a copy.
Both of them may have a policy that you will need to log onto their site to download it, which you will need to log into to begin the process… read full answer
Third, think back, did they produce an electronic version at any time for you? They may have and it may still be in your email box.
Lastly, this is a good reminder to all of us. Make copies of your insurance documents and keep them in 1. Your Safe Deposit Box and 2. On a password protected file on your Computer and 3. On a password protected file on a backup cloud device.
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