Because Michigan is a no-fault state, the damage caused by the other driver will be paid by the other driver. However, the damage to your own vehicle will also be covered by your policy, as insurance follows the vehicle, not the driver. So, in this scenario, any damage to the other vehicle and your vehicle would be covered by your insurance. It's very likely your insurance rate will increase, regardless if you were driving. However, because you weren't the driver in the accident (which you can prove through your CLUE report,
you might be able to get the increased premium damages mitigated. Best of luck.