What Auto Insurance Coverage Is Recommended? 
The value of auto insurance is discovered when you have a claim . The premium is not an appropriate measure of value , particularly if you are facing a claim that exceeds the limits of your policy . I inform my customers of the maximum amount of coverage the company is willing to assume . We discuss the possibility of a very large claim . I recommend that each take as much coverage as they can possibly afford . I never discourage anyone from taking on maximum physical damage coverages either . No one is happy when either there isnt any money to fix their car or the deductible is so high that the insurance company hardly contributes . 