All of the following are true regarding no-fault personal auto insurance EXCEPT With choice no-fault, motorists can elect to be covered under a state's no-fault law or they can sue under the tort liability system. Under modified no-fault jurisdiction, victims can sue but only if the bodily injury is below a specified threshold. It provides first-party coverage for medical expenses. Under a pure no-fault jurisdiction, victims cannot sue at all and there are no payments for pain and suffering