If you didn't file a police report, you may have a problem!
Meaning- some insurance companies do not charge the client the deductable (yes, even in MI) if the accident is not their fault. At the very least, it would save YOU having to pay HER deductable since you'll already have to pay your own. I have USAA, and there is a clause in our policy that states that if the accident is 51% somebody elses fault, my deductable is waived. It has nothing to do with the 'no fault' state.
***just wanted to clarify***