Does Michigan No-Fault Insurance Apply if I Was Riding a Bicycle?

It can. You can be riding a bicycle and still encounter Michigan's auto no-fault system after a motor vehicle is involved. Michigan law addresses Personal Protection Insurance benefits for people injured while they are not occupants of motor vehicles.

The applicable source of benefits depends on the person's circumstances and current no-fault rules. General assumptions about "your insurance" or "their insurance" can create confusion.