Buckeye fans should watch out for more than rowdy Wolverine fans when going up north Saturday. Construction isn’t the only highway headache awaiting for anyone venturing into dark territory.”No-fault” insurance laws means your insurance company will have to pay for all accident claims, regardless of who’s at fault, said William Runyon, assitant manager of AAA Insurance. Michigan is one of six states with these laws, Runyon said.This could be a big problem for OSU drivers in Michigan who are unfamiliar with the insurance laws, said Mitch Wilson, spokesman for the Ohio Insurance Institute.”If you’re involved in a crash in Michigan,” Wilson said, “it (your insurance policy) would kick in as a Michigan policy.” This means your insurance company will pay for your personal and property expenses, no matter who’s at fault, said Leanne Snay, executive director of Michagin Association of Insurance Companies.According to the Michigan insurance laws, the reason for no-fault laws is to ensure that persons injured in auto accidents are compensated for medical costs quickly. The only time fault matters, Snay said, is if one person involved in the accident is substantially at fault.Snay said that even though a person’s own insurance pays for accident in Michigan, premiums would not rise. Rates will only go up if there is proof that the accident was more than 50 percent your fault, she said.