Well, there are a number of states that have this in effect, which include amoungst other, 'Puerto Rico and nine participating states including Florida, Hawaii, Kansas, Michigan, Massachusetts, Minnesota, New York, North Dakota and Utah' and New Jersey, Pennsylvania and Kentucky have it such that it is optional. A website that I had found that details this more is as follows: >http://www.carsdirect.com/car-insurance/what-states-have-no-fault-auto-insurance-laws
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