At Toedt Insurance Agency LLC in Albany, NY, we understand that insurance terminology can seem like a foreign language to the average consumer. We aim to help. We want you to leave your experience with us feeling knowledgeable and well-informed about what is covered. We also want you to have peace of mind that you and your family are protected in case of a covered incident.
Your policy’s declaration page (dec page) contains most of your insurance terminology and definitions. It is the first page of your auto insurance policy and summarizes the most important information you need to know about it.
The dec page provides the following information:
- Policyholder Information: It provides information about who is insured on the policy. Additionally, your Dec page describes the first named insured (the person who can make changes and other important decisions about your insurance policy).
- Operators (drivers) Listed on the Policy: The Dec page informs you of any other drivers listed in the household and their status on the policy, whether they are listed as drivers, excluded from coverage, or non-drivers in the household.
- Vehicles and Their Coverages: Your dec page will list the types of coverage you have on each vehicle on your policy, such as bodily injury and property damage liability limits, comprehensive and collision coverage deductibles, and personal injury protection coverage limits.
- Total Cost for Insurance and Effective Dates: Your annual, bi-annual, or quarterly premium amounts and policy effective dates will be listed on the Dec page. This information depends on when your renewal takes place.
- Policy Number: Your policy number will be displayed on your dec page.
- Contact Information: The policy will list the garaging address of your vehicle and the policyholder’s address.
- Lienholder Information: If there is a lien on your vehicle because you are still making finance payments on your car, the lienholder’s name and address are listed on the declarations page.
Contact Us for More Information
At Toedt Insurance Agency LLC in Albany, NY, we are available to answer any and all your questions concerning auto insurance terminology. Call (518) 438-8154. Let us take the guesswork out of your auto insurance policy.
