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What is an Automobile Insurance Declaration Page? Compensation for Personal Injuries

What is an Automobile Insurance Declaration Page? Compensation for Personal InjuriesWhen a person or company purchases automobile insurance, there is a declaration page issued. The declaration page summarizes the length of coverage, types of coverage, insured drivers and persons under the policy, and amount of coverages purchased. In Florida, the registered owner of a motor vehicle has a duty to carry Property Damage coverage and PIP (Personal Injury Protection coverage but that is it. All other types of coverage are optional. Many people end up selecting coverage by the amount of the premium rather than the coverage the will best protect the insured. As such, many people end up declining optional coverage that can provide the injury victim additional coverage for medical bills in the form of Medical Payment coverage and additional coverage for out of pocket expenses, pain, suffering, loss of enjoyment of life, and mental anguish in the form of Uninsured or Underinsured Motorist coverage. The declaration page is a very important part of the automobile insurance policy since it identifies the following:

  1. Dates Range that Policy is in place;
  2. The name of there person(s) insured under the policy;
  3. The name of the permissive driver(s) under the policy;
  4. The name of the excluded driver(s) under the policy;
  5. Amount of Coverage for Personal Injury Protection - Mandatory;
  6. Amount of Coverage for Property Damage - Mandatory;
  7. Amount of Coverage for Collision Coverage (if any) - Optional;
  8. Amount of Coverage for Medical Payment (if any) - Optional;
  9. Amount of Coverage for Bodily Injury (if any) - Optional; and
  10. Amount of Coverage for Uninsured / Underinsured Motorist (if any) - Optional.

Following a crash, it is helpful for the injury victim and the family of the injury victim to review the declaration page which can be found as part of the policy mailed to the insured OR as part of documents that are available online.

David Wolf is a personal injury attorney with over 30 years of experience. Over the years, attorney David Wolf has reviewed thousands upon thousands of insurance policies and declaration pages. If you have been injured in an automobile accident, David Wolf will provide a Free Consultation to you to discuss your legal rights and to discuss the coverage available to you under the declaration page of your automobile accident insurance policy. David Wolf will also provide a Free Consultation if you want legal advice regarding a declaration page and available coverage even if you have not been in an automobile accident.

David Wolf is the author of 12 books and over 4,000 articles that focus on personal injure matters including those involving an automobile accident. The book titled - Florida Automobile Accidents - Personal Injuries - has chapters on Medical Treatment and Follow Up, Insurance and Common Questions, Case Types, Injury Types, Wrongful Death, and other topics. You can get this book for free at Florida Automobile Accidents. You can get this book for free at Florida Automobile Accident Book. Contact David Wolf today at (904) 500-WOLF or (904) 500-9653. You can send an e-mail directing to David Wolf at dwolf@davidalanwolf.com

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I was in need of legal advice and David was there to assist. I was given advice most attorneys would charge outrageous fees for. When I called David promptly replied, got a grasp of my issue and gave wonderful advice and then referred me to someone who could better handle my issue. I would highly recommend him and if anything else comes up, my first call will be to him. Tracey
David did a great job representing my family in a recent legal matter. He provided great communication in a clear, concise and timely manner. He thoroughly outlined what our options were and answered all our questions. We were extremely pleased with the outcome and highly recommend anyone seeking legal counsel to contact him. David
David Wolf has provided legal advice and representation to me on a variety of issues. I have referred family members and friends to him as well. Whenever a legal issue arises, he is the first person I contact because I am always provided prompt and practical legal advice. I know that I am not David’s only client but he sure does his best to make me and others feel that way. Jill Kestner
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