Who pays for a car crash in Michigan?

I was hit by a tow truck. The tow truck driver was clearly at fault. And the police report and ticket the driver received proves it. But I only had no fault insurance. So the insurance company won’t pay for my totalled car. I called the tow truck place and they basically said you should of had better insurance. Is it their obligation to pay or not? I’m going to talk to a lawyer tomorrow but I just wanted to know

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