can someone explain mi car insurance rules?

[MichMan]

8. It is expensive here

It is expensive, but mainly because of unlimited lifetime medical coverage being mandatory. Any medical claims from accidents go against the car insurance, not your regular medical. The doctors and hospitals know this, so they charge higher amounts than they would otherwise. As much as costs have skyrocketed, it is very difficult for insurance companies to determine what the costs of future unlimited lifetime care will cost.

The original idea was sound; instead of having lawyers trying to prove fault to sue the other driver, your insurance would pay for your car damages and vise versa. It was intended to reduce litigation.