Definition
The Declarations Page, commonly called the Dec Page, refers to the summary page of a Texas auto insurance policy that lists the essential details in one place: the named insured, mailing address, policy number, policy period (typically six months), covered vehicles with Vehicle Identification Numbers, listed drivers, each coverage type with its specific limit and deductible, the premium for each coverage line, discounts applied, and the total premium for the policy term. Texas Insurance Code requires every issued policy to include a declarations page, and it is the document most commonly requested by lenders verifying insurance on financed vehicles. The Dec Page is not the full policy — that is the separate policy contract running dozens of pages — but it is the most useful quick reference for understanding what a Texas driver is actually paying for. Drivers should review the Dec Page at every renewal for accuracy.
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