If "it" is not your fault then you do not have to pay regardless of insurance. However, you may have to prove in court that "it" is not your fault and although you can counter sue to recover your...
As far as I know, if you don't have insurance, you ARE at fault.
That's how it is everywhere I've heard of, but I don't know about Michigan.
Good Luck!
In the insurance department; in whatever state you buy it, it will change to meet the minimum law requirements in whatever state you are visiting; however if you move to another state you must get...