Understanding your insurance documents

Identify the document and the sender

An insurance file may contain a policy, a declarations page, claim correspondence, estimates, and requests for information. Keep each document with its envelope or email and note the date you received it. A claim number identifies a file; it does not explain every coverage question.

• Which company sent it, and whom does that company insure?
• Is it a policy document, a request, a decision, or an offer?
• Does it list a response date or ask you to sign something?

Different coverages answer different questions

South Carolina’s Department of Insurance distinguishes liability coverage from coverage for damage to your own vehicle. It also explains uninsured and underinsured motorist coverage. The names can sound similar, but they address different circumstances.

A declarations page is a useful starting point. Keep the full policy and endorsements as well; the summary page alone may not answer whether a particular loss is covered.

Keep a simple, dated record

Use a folder for documents and a short dated list for conversations. Record who contacted you, the organization they represent, and what was discussed. Keep the original message alongside your notes.

Separate what you remember from information someone else provided. If you are unsure about a detail, mark it as uncertain rather than filling in the gap. Bring both the record and your questions to the conversation.

Ask before making assumptions

Write down the questions you want answered. It can help to separate questions about immediate practical needs from questions about the process. Note any letter, appointment, or response date you have been given so it can be discussed.

• What information would help explain my situation?
• Who would handle my matter if we move forward?
• How would fees and case expenses work?
• What happens after this conversation?