<prompt> Human: Hey All,I got in a car crash the other day. I was at a complete stop, car rear ended me at 30mph and pushed me into a trailer. My car was totaled. I have PLPD. I was told if the driver had insurance, I could get 1,000 for my car. Come to find out, she did not have insurance, or registration, or a license. In fact, it was not even her car. My insurance is telling me since she didnt have insurance on her, thats it. And theres no way of finding out if the owner of the car does unless we call. What are my next steps here and how can I proceed legally. I feel like this is a bit of a loophole in the whole system and sounds kind of stupid. So far my insurance company has been little to no help.ThanksEditMichigans UnderinsuredUninsured just covers bodily injury  <response>: Michigan is a no-fault insurance state, so even if she was insured and owned the vehicle, with no collision on your policy you probably wouldnt get much help from either insurance company. 