If the woman that ran the light was found at fault for the accident, normally you would be able to make a claim through her insurance. Michigan though has such strict auto insurance laws they have noted that if you are uninsured you may be held liable for all damages that result from an accident while uninsured, including your own so you will have to check with the other party's insurance company to see if you are able to make a claim with them or not according to state guidelines.

In Michigan no-fault insurance is mandatory for every registered vehicle. If you own a vehicle and you drive it, or allow someone else to drive it without basic no-fault insurance, you can be sued and held personally liable if you are in an accident.

If you are cited for driving without insurance in MI you may be convicted of a misdemeanor and fined for $200 to $500, or put in jail for up to one year, or both. The court can order your license suspended for 30 days or until you are able to provide proof of auto insurance.

Get your state required car insurance as soon as possible to help your case. You can start here to get a free MI car insurance quote.