How Do I Read My Policy?
Your auto insurance policy is a legal contract, so at first glance it can seem confusing. But, if you know what to look for and where to find it, your policy becomes a lot easier to understand.
Each auto and homeowners insurance policy has three standard parts:
Declarations Page. Here you'll find your name, a statement of the policy period during which you are covered and the amount of premium you pay. The declarations page also includes a detailed description of the insurance coverage's provided and gives the maximum dollar limit the insurer will pay for a claim under each coverage.
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Insurance 101
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