You are completely barred under Michigan law if you are the owner and operator of the vehicle you were driving, and yes, you can be sued too. Here is a blog that explains this dangerous loophole under our law: http://www.michiganautolaw.com/auto-lawyers-blog/2012/02/07/dangerous-nofault-law-loophole/
If she was at fault she cannot sue you and yes her insurance pays for your damage.
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Mr. Gursten is right, as usual. While out-of-state attorneys mean well, Michigan law is quite different when it comes to auto accidents and no-fault insurance requirements. I strongly suggest you review the link Mr. Gursten gave you. I wish you luck!
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Best bet is to call one of the lawyers in your state who answered above to look into this.
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If you do get sued, and you will likely get sued by her insurer, contact me if you need defense coverage. You become your own insurer and need help.
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