Importance of the Declarations Page

The United States Court of Appeals, First Circuit, noted the importance of the declarations page in the case of Wagenmaker v. Amica Mutual Insurance Company, 2010 WL 1078347 (C.A.1, R.I.). Note that this case was not selected for publication in the Federal Reporter.

Joyce Wagenmaker was injured when an unidentified vehicle collided with a car belonging to Vitone in which she was a passenger. Wagenmaker sought uninsured motorists benefits from Vitone's insurer, Amica Mutual. The insurer denied coverage on the grounds that Vitone's car had no uninsured motorists coverage, since Vitone had cancelled the coverage some nine months before the accident. This change in coverage was reflected in the policy's amended declarations page which clearly indicated that the car was “NOT COVERED” for damages by an uninsured driver.