Here in Michigan we have 'no-fault insurance.' That means that regardless of who was at fault, we each have to go to our respective insurance companies, and they will fix our cars. The reasoning was that there was so much money spent with insurance companies fighting each other, that the government of Michigan decided to just do away with the whole system of determining who was at fault, and just make it mandatory that your insurance company repairs your car.
I seem to recall some billboards lately that indicated that there was a battle going on to overturn this recently. The claim was that no-fault insurance was costing MORE money when it came to hospitalizations. Not sure of the whole scoop.
When I moved here from Wisconsin 15 years ago, my insurance company wouldn't cover me because they didn't do no-fault insurance. So I had to find another insurance company.
Colorado just did aways with No-Fault Ins a few years ago, they claimed health ins costs were getting too high. But just a few years later the costs of liability & uninsured/under insured have surpassed what No-Fault was costing.
Also because of interstate commerce agreements when you cross into another your policy changes to match that states regs. My home state written policy gives no-fault coverage in states that have that type of coverage by agreement.
My coverage for uninsured has been needed 3 times in the last ~20 years in Colorado. The last stats I saw there were only 1 in 3 that have coverage in Colorado today, yes ~30 % of the cars on the road in Colorado actually have up to date coverage
. Colorado has no enforcement tool to track or get uninsured off the road. In my home state they track your coverage in a state computer. Insurance companies supply up to date info that you have coverage and they come to your house and suspend your plate if you don't. They also suspend your DR license if you fail to keep coverage.
In Colorado the insurance lobby fought really hard to block the state from passing a tracking system or a tag or DR license suspension law. In Colorado many buy a policy pay one month's premium to get a plate and unless they have an accident no one is the wiser when they never pay another..... Many people look at it as it is cheaper to just pay the fine for not having coverage IF THEY EVER GET CAUGHT than to buy it.........I know people that haven't had coverage in decades.