They will try, but no, they do not all get to walk away just because each one blames somebody else.

What an insurance company will tell you is simple: the other driver, the tire shop, the trucking company, or even you caused the wreck, so their policy should pay nothing. In a summer I-75 or I-94 blowout crash around Detroit, that finger-pointing starts fast.

What is actually true is that Michigan law lets fault be split among multiple people or companies. A court or insurer can assign percentages of fault to each one. If a driver, vehicle owner, repair shop, or parts maker all played a role, more than one claim may be on the table.

For medical bills and wage loss, Michigan no-fault PIP usually comes first through your own auto insurer, not the other side's insurer. If there is no available policy, the Michigan Assigned Claims Plan may step in. That matters when bills cannot wait.

For pain and suffering and other third-party damages, Michigan uses modified comparative fault. If you are more than 50% at fault, you are barred from recovering noneconomic damages. If you are 50% or less at fault, your recovery is reduced by your share of fault.

The big catch: Michigan generally does not make every defendant pay the whole verdict just because several people were careless. Each defendant is usually responsible for their own percentage of fault, not everybody else's share.

Subrogation can add another fight in the background. A health insurer, workers' comp carrier, or other payer may try to get paid back from any settlement. That dispute is real, but it does not erase the underlying injury claim.

If the crash involved a Detroit city vehicle, road condition, or another public agency, separate notice rules and shorter deadlines can apply.