In Michigan, it would be your own vehicle insurer that would pay your wage loss, medical treatment expenses and people providing replacement services. There can be deductibles or offsets for your insurer to claim, depending on exactly what coverage you purchased. You should read your declaration sheet to determine this and/or speak to your agent and/or claims rep. and/or legal counsel you retain. These benefits are available from your vehicle insurer without regard to fault, thus the name Michigan No Fault. You may sue the any at fault (yes, here fault does apply) parties that caused your collision by proving they were at fault and that they caused a serious impairment of a body function and/or permanent serious disfigurement (or death). So the answer is "yes", you can sue if you can prove the above requirements (which it sounds like you can from the facts you state in your question). To know more, you would want to consult a local lawyer that regularly handles these type of cases.
Answered on Jun 29th, 2015 at 9:21 PM