By Gregory Haubrich

Attorney at Law

When I ask my clients what their auto insurances coverages are they often tell me they have “full coverage”.  I ask to see their declarations pages, which show what their coverages are and what their premiums are.  They ask me why I am interested in their insurance when it was that other guy’s fault.  They worry that I’m going to make a claim against their insurance that will raise their rates.  Once I look at their declarations sheets I find all-too-often they don’t have useful or well chosen coverage at all.

So, here is a primer on the basic types of coverage you can get, and what they do for you.

Let me start right here with a recommendation: buy UM coverage, and get as much of it as you can get.  It is the most important, cost-effective, and useful type of insurance you can…