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February 24, 2017

Purpose

The Michigan Catastrophic Claims Association (MCCA), a private non-profit unincorporated association, was created by the state Legislature in 1978. Michigan's unique auto insurance no-fault law provides unlimited lifetime coverage for medical expenses which result from auto accidents. The MCCA reimburses auto no-fault insurance companies for each Personal Injury Protection (PIP) medical claim paid in excess of a set amount. Currently that amount is $545,000. That means that the insurance company pays the entire claim, but is reimbursed by the MCCA for medical costs over $545,000.

All auto insurance companies operating in Michigan are assessed to cover the catastrophic medical claims occurring in Michigan. Those assessments are generally passed on to auto insurance policyholders. The 2016-2017 assessment is $160.00 per vehicle.

Current Assessment

$160.00 Per Vehicle

Retention

$545,000 Per Occurence

Highlights

  • Annual Report to the Director of Department of Insurance and Financial Services (DIFS)  
    Articled last month
    Michigan Catastrophic Claims Association Annual Report to the Director of Department of Insurance and Financial Services (DIFS) Fiscal Year Ended June 30, 2016
  • PRESS RELEASE - March 22, 2016  
    Articled 11 months ago
    The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $160.00 per insured vehicle effective July 1, 2016 to June 30, 2017. 
  • PRESS RELEASE - March 25, 2015  
    Articled last year
    The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $150.00 per insured vehicle effective July 1, 2015 to June 30, 2016.
  • Annual Insurance Directors Report  
    Articled 2 years ago
     Michigan Catastrophic Claims Association Annual Report to the Director of Department of Insurance and Financial Services (DIFS) Fiscal Year Ended June 30, 2014
  • PRESS RELEASE - March 20, 2014  
    Articled 3 years ago
     The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $186.00 per insured vehicle effective July 1, 2014 to June 30, 2015.