Michigan's no-fault system generally works the same way whether the other vehicle is a personal car or a company vehicle. Your own no-fault insurance is typically the first place your medical bills and lost wages get submitted, regardless of who caused the crash.

That said, a commercial vehicle crash can add layers of complexity:

• There may be a separate commercial auto policy involved
• Coordination between your policy and the company's policy can get complicated
• Lost wage calculations may look different if your injury affects self-employment or variable income

No-fault claims involve specific deadlines and dollar thresholds that we intentionally don't spell out here, because they can change and depend on your particular policy and situation. If you're in Oakland or Macomb County and dealing with a claim involving a company vehicle, it's worth a conversation to make sure nothing falls through the cracks.