My pregnant wife was hit head on by on-coming speeder. Why do we have to pay anything?
We have a 1996 Ford Contour and therefore only purchased MI PLPD - no fault insurance. My wife has hit, head-on and ended up in the hospital. Our claims agent said that we're only getting $500 for our totaled car, but will have to pay $500 deductible for the hospital visit.
What gives? Wouldn't the responsible parties insurance company have to pay for car damages and hospital? This just makes no sense.
You are in Michigan, which as you noted is a no fault state. The standard to get compensation is very different, if you meet it at all.
You need to talk to a Michigan lawyer. Also, try the form below to find a qualify lawyer near you. There could be compensation if you meet the standard (it has changed, so it is best for you to talk to a lawyer).