I don't know where you got your information, but this is simply not correct.
Rod
Pilot since 1990
Lawyer since 1995
Flight Instructor since 1998
Airline pilot since 1999
[Also adult onset ADHD survivor...] :-)
Found out that Michigan has weird insurance laws where you have to pay extra to have the at fault party pay for your damages. If you have a basic policy and get into a wreck, everyone just goes through their own carrier.