Where can key policy information be found in a Personal Auto Policy?

The declarations page of a Personal Auto Policy is the primary section where key policy information is found. This page typically includes vital details such as the name and address of the insured, the policy number, the effective dates of coverage, the vehicles covered under the policy, and the limits of liability. It serves as a summary of the essential terms and conditions of the insurance agreement, providing both the insurer and the insured with a clear and concise overview of the policy specifics.

While other sections, such as endorsements, policyholders’ guides, and coverage definitions, may contain useful information, they do not provide the same comprehensive summary as the declarations page. Endorsements may outline modifications or additions to the coverage, the policyholders' guide offers an overview of the policy's features, and coverage definitions explain specific terms used throughout the policy. However, for an immediate reference to the most critical information pertaining to the policy’s coverage, limits, and vehicles insured, the declarations page is the definitive source.