Welcome, sadly, to probably the most draconian law we have today in Michigan.
If you are both the titled owner of the vehicle and you were also the operator of the car (you have to be both, so if you are a passenger, for example, you can still bring a lawsuit), then you are unfortunately completely barred from suing the wrongdoer and his or her insurance company for your injuries and your pain and suffering from a car accident.
Here is a recent blog I wrote that describes the challenges you face in more detail:
I'm very sorry. I think this law is terribly unfair.
Yes you can. Report the accident to your insurance company.
-Michael R. Juarez Law Office of Juarez and Schaeffer PO Box 16216 San Diego, CA 92105 (619) 804-4327 www.jslaw.org Mike@jslaw.org This posting is provided for “information purposes” only and should not be relied upon as "legal advice." Nothing transmitted from this posting constitutes the establishment of an attorney-client relationship. Applicability of the legal principles discussed here may differ substantially in individual situations or in different jurisdictions.
I agree with Gursten. You're in a bad state for car accidents with no insurance.
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