10/05/2026
Most drivers don't look closely at their auto policy until after a crash, and that's usually the worst possible time to find out what it does and doesn't include.
Coverage varies a lot from one policy to the next. Some drivers carry liability limits that can fall short after a serious collision, and many aren't sure whether they're protected if the at-fault driver has little or no insurance.
Pulling up your declarations page while nothing is urgent is a simple way to see your liability limits, your medical payments coverage, and whether uninsured or underinsured motorist coverage is part of your plan. If any of it is unclear, your agent can usually walk you through what each line actually means.
At Ciano & Goldwasser, we often work with families sorting through insurance questions after a serious injury, and those conversations tend to go easier when someone already knows what their policy says. Learn more about our personal injury practice at https://www.c-g-law.com/practice-areas/personal-injury