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(add-hook 'find-file-hooks 
         '(lambda ()
         (auto-insert)
        ))

(setq auto-insert-copyright (user-full-name))

...
      "# Description:\n# " _ "\n"
     )
))

(define-skeleton ska-skel-perl-sub
  "Insert a perl subroutine with arguments."
...
  "\"version!\""\n
  ");"\n
)

  (local-set-key '[(control b) (control s)]  'ska-skel-perl-sub)
  (local-set-key '[(control b) (control i)]  'ska-skel-perl-prog-id)
  (local-set-key '[(control b) (control o)]  'ska-skel-perl-options)

C-h f skeleton-insert