I have now made multiple requests to my insurance broker for a copy of my insurance policy. The first time he just sent me the dec page. The second time, he re-sent just the dec page. When I told him that I really want the whole policy, he only sent the endorsements. How many times do I have to ask for a complete copy of the insurance policy? This is getting old. At least I know what I am looking at and can tell the entire policy isn't there. I feel bad for others who may not realize what they are looking at, and wouldn't be able to tell the difference.
Oh, well. For the benefit of all: there are three parts to an insurance policy 1) the declarations page, 2) the body, and 3) the endorsements. Without all three you cannot possibly make a coverage determination.
Oh, well. For the benefit of all: there are three parts to an insurance policy 1) the declarations page, 2) the body, and 3) the endorsements. Without all three you cannot possibly make a coverage determination.