Thats such a stupid rule law. . All or nothing, meaning full coverage or jo insurance sounds like, where would just liability fit in? I have a 20 year old truck thats not worth full coverage, and if i dont have to fix someone else's car that i destroy why would i even buy insurance. Sounds like it was put forth by indurance sgents. A way to squeeze wealthy drivers with better driving records and not having to deal with poor people. Hey i get it. Sounds like insurance is a great gig in michigan