These laws spell out the coverages required by the laws written by your state legislature, for auto insurance. Included are rules, regulations and minimum limits of liability for auto policies by which the insurance companies’ policies must comply. These laws also specify who is covered by a policy, which drivers must or may be excluded and which vehicles are included. Your rights as a consumer in relationship to cancellation or non-renewal of an auto policy and the insurance companies requirements for notification of a policies cancellation or non-renewal, proof of insurance requirements, and rules regarding discrimination are also stated. These laws are governed by your states Department of Insurance (DOI).