What Is a Declaration Page?
The declaration page (or "dec page") is the summary of your entire insurance policy on one or two pages. It shows your coverages, limits, deductibles, premiums, and who/what is covered.
Key Sections of Your Dec Page
1. Named Insured
Your name and address. Make sure this is correct — errors can cause claim denials.
2. Policy Period
Start and end dates. Most policies are 6 or 12 months.
3. Vehicles Listed
Year, make, model, and VIN for each covered vehicle. Every vehicle you drive should be listed.
4. Drivers Listed
All household members of driving age should be listed, even if they rarely drive your vehicles.
5. Coverage and Limits
This is the most important section. It shows each type of coverage and your limit/deductible:
6. Premium
Total cost broken down by coverage type. This shows you exactly what you're paying for.
Red Flags to Watch For
⚠️ Liability too low: If you see 15/30/5, you're underinsured
⚠️ Missing vehicles: Any car you drive should be listed
⚠️ Missing drivers: Unlisted household members = potential claim denial
⚠️ No UM/UIM coverage: 15% of CA drivers are uninsured — protect yourself
⚠️ High premium for old car: You may be overpaying for comprehensive/collision
Free Policy Review
Bring your dec page to any FasTrak Insurance office and we'll review it for free. We'll identify gaps, find savings, and show you side-by-side comparisons.
Schedule a free review → | 📞 (800) 267-5550
FasTrak Insurance Solutions — clarity, not confusion.