Michigan is the ONLY state that has this. And (not coincidentally) we also have the highest rates in the nation! And (also not coincidentally) one of the highest uninsured drivers rates in the nation. 20% of Michigan drivers are uninsured, 40% in Detroit! Whatever the other 49 states are doing seems to be working. Although I think a good compromise would be to allow the option of having or not having unlimited coverage. I have to admit that having unlimited coverage is nice to have if you need it, but I still favor having the FREEDOM to decide for yourself what's best for you. That's the beauty of the free market and living in a free country!