密歇根很弱，原想靠NO-FAULT降低人均保费的，结果适得其反，反而成为保费最高的州。有机会就立刻那里吧

A note on Michigan "No Fault" Auto Insurance: It had to be sold politically so a lot of effort went into demonizing the legal profession along with those who were either underinsured or non-insured, and when it went into effect in 1973 It featured Mandatory Participation, resulting in a higher margin for the underwriters, which was supposed to (theoretically) lower premiums. A Liability Limitation was also supposed to do the same, but in fact in resulted in the exact opposite: Michigan has the highest auto insurance rates in the country. When the Michigan Insurance Industry lobbied long and hard for "no fault", it sure wasn't for the benefit of the auto owner. Also, the state stepped in to play the citizens advocate role by supposedly acting as a watchdog over the industry, so of course the employment opportunities at the Michigan State Insurance Commission rose significantly. In short, the "no fault" law in Michigan really should have been called The Michigan Public Employee and Auto Insurance Agency
Benefit Act.