Make sure that you pay your no fault insurance premiums on time. Michigan law penalizes car owners who let their insurance lapse. So, even though the accident was not your fault, you are not entitled to anything from the other driver. Be thankful you were not hurt.
If the police officer knew your insurance lapsed, you could have received a ticket for driving without no-fault insurance. You would not go to jail though.
Not a Michigan lawyer, but in California the other driver's insurance company still pays for the damage even if you were uninsured at the time. You could be fined in California for driving without insurance.
Michigan's automobile insurance laws are much different than every other state. You should always seek counsel from attorneys who specialize in the area of law for which you seek advice.
Obviously, all the facts are not listed in your question; however, based upon what you wrote you will likely be responsible for all damages. In Michigan, the uninsured owner of a car that is involved in an accident can be held responsible for all bills paid by any parties related to that accident. So, if you get in a crash with another person even if that person is at fault, their insurance company will likely sue you to get back any monies paid to their insured. That includes medical bills, property damage, disability payments, etc. If you do not pay the insurance company within 30 days, the company has the ability suspend your license until you do pay.
Read more about this type of situation at:
I wish you the best,
In Michigan, you are responsible for your own auto damage regardless of fault. The fact that you had no insurance does not change that. Michigan is a no-fault state for collision property damage, and you must have insurance to collect, even if you are 100% in the right.
Damages for personal injuries Medical expenses for personal injury Personal injury Fault laws and personal injury cases Types of personal injuries Personal injury and car accidents Traffic tickets Tickets for non-moving violations Tickets for driving without insurance Traffic tickets and car insurance rates
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