Personal Auto Insurance
When looking at the declaration page of your auto insurance policy, it’s essential to understand what each of the coverages is and the limits you have. Too little coverage, and you could be exposed to a substantial personal loss that you would have to pay from your pocket. That’s why it’s crucial that you buy through an independent agent who will take the time to explain each item so you can make a better decision.
Insurance companies push you to sign up for electronic documents. This option saves paper and postage. Just like paper, you can lose emails and text messages from the insurer. When you first start a policy with a new company, we recommend opting for a paper version of your policy and then switching to a paperless option. Secure your copy of the contract with your other essential papers. You may need to refer to your policy should a claim arise.
An insurance identification card typically arrives in the mail, attached to or inserted behind the declaration page, if you selected the paper option. If you opted for paperless when you first started your policy, you should have received an electronic form of your policy declaration page and an insurance identification card. This option allows you to print the card to keep in your car or wallet. Another option you always have is to open the app on your phone to show it to a police officer during a traffic stop or for a claimant at an accident scene. You can visit the company website or download the app by clicking here.
The list of all the possible finance companies or lenders would be impossible to publish here. The best way to find out which bank financed your car is to look at the monthly statements you get from the lender by mail or email. Another way is to look at the declaration page of your auto policy. The lender’s name and perhaps the address should be listed there. Pull out the papers from the original policy you got in the mail, or log into your account online to view your declaration page. You should be able to view or download that page. It might be listed on the app you can download to your phone. Click here to access your online account or download the app.