Tort reform
That’s what they did here in Pennsylvania.
Scrapped our No-Fault law (which was resulting is as
many as 1/3 of Philly drivers being uninsured) and
offering a Limited Tort option.
When you buy a policy you can choose either Full or Limited Tort. Limited Tort restricts your right to sue if you are injured. But the premiums are quite a bit lower.
I keep expecting the lawyer community to find some loophole and punch a hole in that, which will send rates skyrocketing again.