This auto declaration page field map labels core coverage entries for policyholders reviewing their active insurance plan terms. Standard auto dec pages lead every policy packet, and are intended to be stored in your personal auto insurance claim folder for fast reference during incident reporting, policy renewal, or lienholder compliance checks. This guide covers only standard, widely used field labels, as proprietary notations vary by issuer; any unlisted entries should be directed to your licensed insurance representative or policy issuer for clarification. Clause Shelf provides this reference for personal file organization only, and no content on this page binds coverage, determines claim eligibility, or replaces official policy documents issued by your insurance carrier.
Liability coverage column field labels for third-party bodily injury and property damage claims
Most standard dec pages arrange core coverage in three parallel columns, with liability coverage placed in the leftmost column as it is required in nearly all U.S. states for registered vehicle operation. This column only covers costs related to harm or property loss experienced by a third party when you are found at fault for a vehicle incident, and does not apply to damage to your own vehicle or medical costs for you or passengers in your vehicle. Common field labels in this column include bodily injury (BI) per person, bodily injury per accident, property damage (PD) per accident, coverage effective and expiration dates, and deductible indicator. Most liability policies carry a $0 deductible, as the coverage is intended to meet state minimum financial responsibility requirements. You may see split-limit notation in this column, such as the illustrative example 100/300/50, which refers to $100,000 maximum per injured third party, $300,000 maximum total for all injured parties in a single incident, and $50,000 maximum for third-party property damage in a single incident. You can cross-reference these limits with your state’s department of motor vehicles published minimum requirements to confirm your policy meets legal compliance standards, and note any gaps in your claim folder for follow-up with your issuer.
Collision coverage box line items outlining covered repair costs for vehicle impact incidents
The middle column in the standard three-column layout is reserved for collision coverage, an optional physical damage coverage that applies to damage to your covered vehicle from impacts with other vehicles, stationary objects like guardrails or buildings, or single-vehicle rollover events, regardless of which driver is found at fault for the incident. Lienholders for financed or leased vehicles almost always require active collision coverage for the full term of the loan or lease, so you can store a printed copy of this column section in your vehicle loan paperwork folder to provide proof of coverage to your lienholder upon request. Common line items in this section include the 17-digit vehicle identification number (VIN) of the covered vehicle, coverage status (marked active or waived), deductible amount, rental car reimbursement add-on eligibility, and OEM (original equipment manufacturer) parts coverage flag. Deductibles for collision coverage are selected by the policyholder during enrollment or renewal, with illustrative example values ranging from $250 to $1,500 depending on individual preference and policy terms. You can verify that the VIN listed in this section matches the VIN printed on your vehicle registration and title to ensure you are not paying for coverage for an incorrect vehicle.
Comprehensive coverage schedule notations for non-collision damage including theft and weather events
The rightmost column in the standard three-column layout covers comprehensive coverage, a second optional physical damage coverage that applies to damage to your covered vehicle from events that do not involve direct impact with another vehicle or stationary object. Covered events under standard comprehensive policies include hailstorms, wind damage, falling tree branches, collisions with wild animals, fire, and theft, per individual policy terms. Like collision coverage, comprehensive is almost always required by lienholders for financed or leased vehicles, so you can keep a copy of this section with your vehicle registration in your glove box for fast access if you need to report a non-impact damage incident. Common notations in this section include coverage status (active or waived), deductible amount, specified perils exclusion flags, glass coverage inclusion indicator, and roadside assistance add-on eligibility. Comprehensive deductibles are often lower than collision deductibles for most policyholders, with illustrative example values ranging from $100 to $1,000, and may be waived for specific covered events like glass repair under many policy terms. You can review the exclusion flags in this section to confirm no perils you expect to be covered are listed as excluded, and note any questions for your issuer in your claim folder.
Policy limits form section listing per-claim and annual maximums for all three coverage types
This section appears directly below the three parallel coverage columns on most dec pages, and aggregates coverage limits, deductibles, and eligibility rules across all three coverage types for easy cross-reference. The table below provides a standard field map for entries across all three coverage columns, to help you quickly locate and verify key policy terms:
| Field Label | Liability Column Placement | Collision Column Placement | Comprehensive Column Placement | Common Field Value Format |
|---|---|---|---|---|
| Coverage Effective/Expiration Date | Top 3 fields of column, aligned with official policy term start and end dates | Top 2 fields of column, aligned directly below the listed covered vehicle VIN | Top 2 fields of column, aligned directly below the listed covered vehicle VIN | MM/DD/YYYY for both start and end dates, with no additional notation for standard terms |
| Deductible Amount | Final field of the core coverage block, almost always listed as 0 for standard policies | 3rd field below coverage status, listed directly below the covered vehicle VIN | 3rd field below coverage status, listed directly below the covered vehicle VIN | Numeric dollar amount, no decimal points for standard deductible values, with no currency symbol on most printed dec pages |
| Per-Claim Payout Maximum | Split into three separate lines (BI per person, BI per accident, PD per accident) in the middle of the column | Listed directly below the deductible amount, capped at the actual cash value of the covered vehicle | Listed directly below the deductible amount, capped at the actual cash value of the covered vehicle | Numeric value listed in thousands with a “k” suffix for liability limits, or “ACV” notation for physical damage coverage limits |
| Coverage Status Indicator | First field of the column, almost always marked “ACTIVE” for state-compliant registered vehicles | First field of the column, marked either “ACTIVE” or “WAIVED” based on policyholder selection | First field of the column, marked either “ACTIVE” or “WAIVED” based on policyholder selection | All caps text, with a pre-printed check box next to the applicable status on physical dec page copies |
| Add-On Coverage Eligibility | Not applicable, no standard add-ons attached to core liability coverage | Listed below the per-claim payout maximum, includes eligible benefits like rental car reimbursement and towing after impact events | Listed below the per-claim payout maximum, includes eligible benefits like roadside assistance and OEM parts replacement for covered damage | Bulleted list of eligible add-on benefits, or “NONE” printed in all caps if no add-ons are selected for the coverage type |
You can use this field map to cross-verify that effective dates match across all three coverage types, a common error on printed dec pages that can lead to gaps in coverage if unaddressed. You can also confirm that the deductible amounts listed match the values you agreed to during your last policy renewal, as incorrect deductible entries can result in unexpected out-of-pocket costs if you file a claim. Any discrepancies you find should be noted in your auto insurance claim folder and submitted to your policy issuer for correction as soon as possible, as policy terms are only legally binding as written on official issued documents.
Named insured note section verifying policyholder eligibility for all listed coverage benefits
This section is located either at the very top of the dec page, above the three coverage columns, or at the bottom of the page below the policy limits section, depending on issuer formatting. It lists all named policyholders, all regularly covered drivers under the policy, the garaging address of all covered vehicles, and any driver exclusions that apply to the policy terms. Only named insureds and listed covered drivers are eligible to file claims under the policy, so you should review this section carefully every time you renew your policy to ensure all regular drivers of your vehicle are listed, and no incorrect exclusions are present. If you have a new household member who will be operating your vehicle on a regular basis, you will need to notify your policy issuer to add them to this section to ensure coverage applies when they are driving the vehicle. You can store a printed copy of this section with your vehicle registration to provide proof of coverage if you are stopped by law enforcement, as most states require proof of active insurance to be carried in the vehicle at all times.
Print a copy of this field map, store it in your auto insurance claim folder, and cross-reference each field with your current dec page within 10 business days to flag any discrepancies for your policy issuer.