Learning center

Practice reading real policy language

Exercises and diagrams that use fictional sample documents to build your coverage literacy.

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Reading exercise: a sample declarations page

Walk through a fictional declarations page and identify the limits, deductibles, and covered vehicles.

Locate the three liability numbers.
Identify which coverages carry deductibles.
Spot the policy period.

Reading exercise: finding an exclusion

Practice locating exclusions in a sample policy form and summarizing them in your own words.

Find the exclusions heading.
Rewrite one exclusion in plain language.
Note any endorsement that changes it.

Diagram: how split limits apply

A simple visual of how per person and per accident limits interact in a single accident.

One injured person example.
Multiple injured people example.
Property damage limit example.

Terminology refresher: conditions vs. exclusions

Two terms that are often confused. Learn the difference and why both matter.

Conditions describe duties.
Exclusions describe what is not covered.
Both appear in the policy form.