Reading Your Policy · 8 min read
How to read your declarations page in ten minutes
Limits, deductibles, named insureds, and listed vehicles are all on one page. Here is what each line actually means.
Your declarations page is the one-page summary of everything your auto policy promises. Most drivers have never read it carefully.
Liability is written as three numbers: bodily injury per person, bodily injury per accident, and property damage. Each one caps a different category of payout.
Deductibles apply to comprehensive and collision separately. A high comprehensive deductible saves little if your zip code rarely sees windshield claims.
This walkthrough covers each section in plain language, with examples you can compare against your own document.
Keep reading
Coverage Basics
What quietly changes the day you buy a new car
A new vehicle reshapes coverage, deductibles, and lienholder requirements within hours of driving off the lot.
Life Events
Moving across state lines: the coverage review most drivers skip
Minimum limits, no-fault rules, and rate factors change at the state border. Your policy doesn't follow you automatically.
Household Changes
Adding a teen driver without overpaying
Listed driver, excluded driver, and permitted driver are three different things. The wrong choice can void a claim.