"No fault Insurance allows everybody to buy as much or as little personal coverage as they desire and actually reduces claims."
You must be kidding!
PIP FRAUD is enormous in the States of Florida and New York. No fault is a bonanza for ambulance chasers and Chiropractors. Everyone in those states pays big time for the fraud. Most of the state legislatures that made PIP effective have realized that no fault had become the holy grail for lawyers, clinics and doctors. These same states soon went back to the "at fault" system of insurance coverage.
See,
Dollars & dents
Staged crashes breed PIP fraud epidemics in New York, Florida
http://insurancefraud.org/feature_dollar&dents.htm
The no fault insurance I referred to pays only the policyholders damages and each motorists that wants any coverage must buy it for them selves. If you don't buy insurance you can't recover any damages.