After a wrong-way crash in Michigan, payment usually comes from more than one place. Your own auto insurer generally pays no-fault PIP benefits first, regardless of who caused the crash. The wrong-way driver, and sometimes others, may be responsible for losses beyond that.

• Your PIP coverage may pay medical bills, part of lost wages, attendant care, and mileage, up to the level you selected.
• The wrong-way driver's liability insurance may cover pain and suffering when the injury is serious enough, plus certain losses beyond PIP. Here's how those two claims differ.
• Your uninsured or underinsured motorist coverage may help if the driver had little or no insurance.
• A bar or restaurant may share responsibility if it served a visibly intoxicated driver.
• The driver's estate may face a claim if the driver died.

If a loved one was killed, a wrongful death claim may also be available. These cases have several deadlines, so it's worth having someone look at the details early.