Auto
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage: 
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. 
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, may be sued for much more than you're worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
SR-22 insurance varies state to state.
SR-22 isn't a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsbility laws of your state).
Simply, it is a form which must be filed by the insurance company to the state or Department of Motor Vehicles stating that auto liability insurance is in effect for a particular individual.
Typically it is required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financialresponsibility or if a judge has ordered an SR22 for other reasons (in some states).
