Are you maybe not... breaking out clearly the different portions of coverage and getting confused with them?
You referred to your Comp. coverage for a Miata being 150k. Comp coverage is usually 'other than collision. This being.. fire/theft/animal/vandilism. (Usually other than an impact with another object).
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Are you referring or eluding to Bodily Injury Coverage? and does your state recognize UM/UIM coverage the same?
http://www.insure.com/car-insurance/stacking.html
Such coverag in in case the other party does not have adequate coverage for a bodily injury or no coverage at all.
Yes it gets... a bit muddled.