Your declarations page (the "dec page") is the cheat sheet to your auto insurance policy. Most people never read theirs — and miss exactly where the carrier is and isn't paying out at claim time.
Here's a fast, line-by-line breakdown of what each section actually means and what to look for.
1. Named insured & covered drivers
Every person who'll regularly drive a vehicle on your policy needs to appear here. Adult children, household members, anyone with regular access. If they're not listed and they crash your car, expect a coverage fight.
2. Vehicle list (with VINs)
Confirm year, make, model, and VIN match each vehicle. Errors here invalidate physical-damage claims faster than anything else on the policy.
3. Bodily Injury / Property Damage Liability limits
Listed as something like 250/500/100. That means $250k per person, $500k per accident for bodily injury, and $100k for property damage. Kansas state minimums are $25/50/25 — if your dec page shows close to that, you have meaningful asset exposure on a serious claim.
4. Uninsured / Underinsured Motorist (UM/UIM)
Roughly 1 in 8 U.S. drivers carry no insurance. UM/UIM is what protects you when their lack of coverage becomes your problem. Many older policies have UM far below the BI limits — that's an easy fix.
5. Comprehensive & Collision deductibles
Higher deductible = lower premium, but also more out-of-pocket at claim time. Match the deductible to what you'd actually be comfortable writing a check for tomorrow.
6. Endorsements / forms list
Usually a list of cryptic codes (CA 00 01, PP 03 06, etc.). Each is a modification to the policy form. The form numbers matter — they're how exclusions and add-ons get applied. If anything's been added, ask what it does.
What to do once you've read it
Take a photo of the whole dec page and keep it on your phone. If you're shopping coverage, send it — any honest agent can use it to give you an apples-to-apples comparison without needing to ask 30 questions.
Quick answers
What is an auto declarations page?
It’s the one- or two-page summary at the front of your policy. It lists who and what is covered, your limits and deductibles, your premium, and the forms attached to the policy.
What are the minimum auto insurance limits in Kansas?
Kansas requires at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25), plus personal injury protection (PIP) and uninsured/underinsured motorist coverage. Minimums rarely protect a household with real assets.
Where do I find my declarations page?
It comes with your policy documents at every renewal and is usually downloadable from your carrier’s app or website. Your agent can also send you a current copy.
Want a real review?
Let us walk through your current coverage with you.
Send us your declarations page and we'll come back with apples-to-apples comparisons — usually in one business day.