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September 22, 2019

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 $580,000. That means that the insurance company pays the entire claim, but is reimbursed by the MCCA for medical costs over $580,000.

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 2019-2020 assessment is $220.00 per vehicle.

Current Assessment

$220.00 Per Vehicle

Retention

$580,000 Per Occurrence

Highlights

  • PRESS RELEASE - March 27, 2019  
    Articled 6 months ago
    The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $220.00 per insured vehicle effective July 1, 2019 to June 30, 2020.
  • PRESS RELEASE - March 29, 2018  
    Articled last year
    The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $192.00 per insured vehicle effective July 1, 2018 to June 30, 2019.
  • PRESS RELEASE - March 13, 2017  
    Articled 3 years ago
    The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $170.00 per insured vehicle effective July 1, 2017 to June 30, 2018. 
  • Annual Report to the Director of Department of Insurance and Financial Services (DIFS)  
    Articled 3 years ago
    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 4 years 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.