Created by FindLaw's team of legal writers and editors | Last reviewed July 18, 2017
Just about everyone has some kind of insurance policy -- whether it's automobile coverage, health coverage, or some other type of insurance -- but how much do we really understand about our policies and what they actually cover? Certain elements of insurance policies are universal, such as the declarations section identifying who is insured, the risks or property covered, the amount of coverage, and other standard information. But regardless of the type of insurance product, they all take the form of a legally binding contract. FindLaw's Insurance Policies section will help you make sense of your insurance policies, fine print and all, to help you make better decisions in your own coverage. It's important not only to have the proper amount of coverage, but also to avoid paying for something you may not really need. This section explains how deductibles work, the purpose of the insurance declaration page, the meaning of a copay, how PPOs and HMOs differ, and more.More
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