Auto insurance is much more than just a necessity. In fact, the law requires that you carry auto insurance, but that does not mean that the law expects that you understand your auto insurance. We realize that most drivers really do not know a lot about the coverage or even the limits under their auto insurance policy. The truth is that auto insurance is not easy to understand, and given that it seems to change every few years makes it that much more frustrating to grasp as a consumer. We not only feel your pain, we also share it.