Michigan is unusual. It has a strong no-fault law that provides a very generous first-party medical benefit. Part of the trade off for that generosity is that their law bars recovery for pain and suffering unless it is a serious injury. My bruises won't clear that hurdle, so I don't have any path to getting a settlement for pain and suffering.
Michigan also has a unique law regarding collision losses. Essentially, if you want coverage for damage to your car, you have to buy collision coverage. Even if the other driver is at fault, you can't recover your collision loss from them or their insurance company. It seems strange compared to other states, but that's the way it works there. The upshot is I only deal with my insurance company on this claim.
