Motor vehicle accidents can be frightening and disorienting. After the cars come to a stop and everyone has received medical attention, it’s time to focus on what happens next – and that includes gathering documentation to potentially pursue legal action if you were injured.
There’s one document in particular that may impact your case that you probably didn’t know existed. Yet, it can be one of the most important documents in your case.
This document is a part of your insurance policy, and it’s called the declarations page. Here’s why it’s important.
What Is the Declarations Page?
Also called the “dec” page, this document is usually one page in length and contains a summary of your insurance coverage. It usually contains a series of acronyms that may not be comprehensible to you, but they mean things that are important to your potential case.
Why Do I Need a Dec Page?
One question we commonly get is this: “If I wasn’t at fault, why do I need to know about my insurance policy?”
Even if you weren’t at fault, your insurance policy is still important. There are two situations in which this matters. The first is when you have medical expenses to pay for. If you have medical payment coverage, the policy will pay a fixed amount toward your medical treatment, and you’ll be able to choose where you get treatment.
The second situation is when the other driver doesn’t have insurance. You may have UM, or uninsured motorist, coverage. It also comes with a number, like 50/100. Those numbers, multiplied by 1,000, tell you how much you are covered for even if the other driver doesn’t have insurance. (They’re required to by law, but too many times they don’t.)
Long story short, your car accident attorney can use your dec page to determine the feasibility of your case and determine how much you can recover.
Talk to a Car Accident Attorney ASAP
To get all your ducks in a row, contact a car accident lawyer as soon as you can after an accident. This is especially important if you’ve been seriously injured, because getting the compensation you’ll need starts right away.
We can help you put everything together and assess your case based on the information we can gather. Then, we’ll plot your legal strategy and take the steps necessary to get the compensation you deserve.
Contact us to learn more. We’re ready and willing to help.