This report updates an earlier research by which the authors estimated the consequences of a option vehicle coverage plan on the charges of compensating auto accident victims during which the no-fault choice was absolute no-fault (ANF). The authors assumed that fifty percentage of the shoppers who would have bought auto coverage beneath their state’s present system would change to ANF underneath the option plan. That research, requested by the knee Financial Committee of the U.S. Senate and making use of knowledge from 1987, estimated how a variant of that plan would influence the rate of confidential passenger auto coverage if all presently insured drivers elected the no-fault choice. The current report makes use of just lately obtained knowledge for a consultant pattern of persons who have been compensated for auto accident accidents in 1992. aiding these knowledge, the authors have replicated their analyses for forty six states. They discover that the option plan might considerably cut back the fees of compensating folks injured in auto accidents.