MI is technically a no-fault car insurance state. It does not mean the police do not assign fault, it means if you are hit in the back, your insurance covers your car, their insurance covers their car.
If the police report show they were at fault, you can sue them for the deductible, unless you have what is called braodform coverage, at which time you deductible is waived.
No-fault insurance sucks, and it is one of the many reasons MI has some of the highest insurance rates in the country.
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