Under Michigan law, each party goes to their own insurance for the Property damage. You can sue the other driver for $500 or your deductible, which ever is less. You also go to your own insurance for unlimited medical expenses, and up to 3 years of lost wages, medical mileage, and household replacement services. You cannot collect for "pain and suffering" unless you have suffered a serious impairment of body function.
Answered on Oct 02nd, 2012 at 10:41 AM