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August 27, 2015

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 2015-2016 assessment is $150.00 per vehicle.

Current Assessment

$150.00 Per Vehicle

Retention

$545,000 Per Occurence

Highlights

  • (NEW) PRESS RELEASE - March 25, 2015  
    Articled 5 months ago
    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 7 months 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 last year
     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.
  • PRESS RELEASE - March 27, 2013  
    Articled 2 years ago
     The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $186.00 per insured vehicle effective July 1, 2013 to June 30, 2014.