The laws that your injury claim will abide by are Michigan, since the accident occured in Michigan. Michigan is a no-fault state and potentially has a threshold that you must pierce before you can pursue a bodily injury claim. *The purpose of PIP/No Fault coverage is to reduce the amount of frivolous lawsuits. If your injuries are basically soft tissue in nature, and there is no long-term impact on your life, you may not meet the qualifications to pursue a bodily injury claim. However, you would regardless of fault, meet the qualifications to pursue a No Fault/PIP claim - which pays for medical bills, wage loss, etc... related to your accident. Contact your insurance company to discuss further.