NO! I practice in Michigan and specialize in Michigan No Fault. I recommend that you speak with a No Fault attorney right away to make sure that your insurance company isn't telling you anything else that may be untrue.
You can reach my office at 248-355-5900. Good luck!
I practice in Michigan and attorneys are permitted to collect 1/3rd of anything they collect for you. Some lawyers take a fee on the medical portion of No Fault cases, while others do not. My firm does not take a fee on the medical portion of the claim so that you aren't left owing medical providers, but it is permitted. You should read the contract you signed with your lawyer. Please feel free to contact me with any questions. Whiting Law - 248-355-5900.
This will depend on the state you are in. Some states have strict liability, while others do do not. You may want to consider notifying your homeowners insurance to be on the safe side, or speaking to a local attorney to find out additional information.
Arbitrations typically have written agreements that address these issues. If you have an attorney handling the case you need to speak with him/her - if not, you may want to consider bringing in someone to make sure everything is being handled properly.
You need to speak to a local attorney as soon as possible before this situation gets out of control. Every state is different in how insurance is handled. But without a court finding of fault you can contest the insurance companies finding of fault.
First and foremost, you need to make sure you obtain medical treatment to ensure that you don't have any hidden injuries that may be life threatening. Once you do that, I suggest you contact a local attorney that specializes in motor vehicle accidents. Do not attempt to handle you case alone - insurance adjusters are trained to provide you with very little information, act like they are your friends and then settle your case way too early for far less than you are entitled.
In Michigan we have No Fault coverage, which means that every individual is responsible for insuring their own vehicle. This also means that you can insure your vehicle as much or little as you would like under Michigan law. Collision coverage is optional. Should the person you crashed into carry coverage he/she will look to their own insurance company for coverage. The most he/she should be able to collect will be limited to $500 for what is called "mini-tort".
There are exceptions to this...
Medical malpractice cases are extremely technical and very expensive to pursue. You should immediately consult a medical malpractice specialist to review your case. Whether or not many lawyers will even review your case will depend on how they view the "damages" in your case. Please feel free to contact my office for a further evaluation.