Do you own a vehicle? Have you registered your vehicle? Do you have a valid insurance coverage for the vehicle? These are the three basic documents that are needed for motor vehicles the world over. Of these, the auto insurance papers have to be renewed every year. This is because the security threat perceptions to which the auto insurance is linked can change. This change is recorded by  auto insurance reviews  that takes place periodically. The auto insurance reviews are done by lawyers and actuaries. The auto insurance reviews decide on how the premiums should be adjusted. Actuaries are specialized chartered accountants who also have legal knowledge.