whose fault the collision was. In three U.S. states – Kentucky, New Jersey, and Pennsylvania – policyholders are permitted to choose between traditional tort and no-fault recovery regimes. Under such systems, known as "choice" or "optional" no-fault, policyholders must select between "full tort” and "limited tort" (no-fault) options at the time the policy is written or renewed; once the policy terms are set forth an insured party may not change his/her mind without rewriting the policy. In both Kentucky and New Jersey, policyholders who do not make an affirmative choice in favor of either full tort or limited tort are assigned the no-fault option, while in Pennsylvania the full-tort option is the default. In states where there is a choice of coverage, most consumers choose traditional tort regimes because the cost of the no-fault regime is more expensive. 24 states originally enacted no-fault laws in some form between 1970 and 1975; several of them have repealed their no-fault laws over time. Colorado repealed its no-fault system in 2003. Florida's no-fault system sunsetted on 1 October 2007, but the Florida legislature passed a new no-fault law which took effect 1 January 2008. Michigan Michigan's no-fault system is relatively unique. Before 2019, drivers had to purchase personal injury protection insurance that included unlimited, lifetime medical coverage. While this system protected people with catastrophic injuries, many consumers complained about the high insurance premiums associated with this system. In 2019, the Michigan Legislature changed the state’s no-fault auto insurance law so that drivers will no longer be required to purchase unlimited medical coverage. Instead, under the PIP Choice system that was enacted, drivers have the choice of selecting medical coverage with limits of $50,000 (for drivers on Medicaid), $250,000, $500,000 and unlimited. Drivers on Medicare may be eligible to forgo all No-Fault medical coverage. The goal of the no-fault changes was to lower premiums for drivers and, thus, make car insurance more affordable. However, Michigan’s average annual auto insurance rates are still the highest in the country - and Detroit has the highest rates of any city in the U.S. Additionally, Michigan's no-fault reforms reduced compensation to some caregivers, which made it difficult for some catastrophically injured crash victims to access care from their auto insurance policy. Health insurance also covers the care of accident victims if auto insurance is either not existent or doesn't have enough coverage to pay claims. In addition to