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December 04, 2022

Purpose

The Michigan Catastrophic Claims Association (MCCA) is a private unincorporated, nonprofit association created by the Michigan Legislature in 1978. From the time the Legislature created the MCCA until July 2, 2020, Michigan’s unique no-fault insurance law required the owners and registrants of motor vehicles registered in Michigan to buy unlimited lifetime coverage for medical expenses resulting from motor vehicle accidents. Although Michigan law no longer requires owners and registrants to buy unlimited lifetime coverage for medical expenses resulting from motor vehicle accidents, that option remains available to them. The MCCA reimburses no-fault insurance companies for Personal Injury Protection (PIP) medical claims paid in excess of a set amount under policies of insurance providing unlimited lifetime coverage. Currently that amount is $600,000. That means that the insurance company pays the entire claim under policies providing unlimited lifetime coverage, but is reimbursed by the MCCA for medical costs over $600,000.

The MCCA assesses all auto insurance companies operating in Michigan to cover catastrophic medical claims occurring in Michigan because of motor vehicle accidents. Insurance companies generally pass those assessments on to their auto insurance policyholders. The 2022-2023 assessment is $86 per vehicle.

Current Assessment

$86.00 Per Vehicle

Retention

$600,000 Per Occurrence

Highlights

  • ASSESSMENT NOTICE – October 22, 2022  
    Articled last month
    The Michigan Catastrophic Claims Association (“MCCA”) assessment rates by Coverage Type for the period July 1, 2023 to June 30, 2024 are set forth in the attached table.
  • ASSESSMENT RELEASE NOTICE – September 22, 2022  
    Articled 2 months ago
    The Michigan Catastrophic Claims Association (“MCCA”) assessment charged per vehicle for the period July 1, 2023 to June 30, 2024 will be $122 for unlimited PIP coverage and $48 for all other PIP benefit coverage options.
  • ASSESSMENT RELEASE NOTICE – April 2022  
    Articled 8 months ago
    The Michigan Catastrophic Claims Association (“MCCA”) assessment charged per vehicle for the period beginning July 1, 2022 to June 30, 2023 represents no change from the assessment rates for the period July 1, 2021 to June 30, 2022.
  • PRESS RELEASE - December 13, 2021  
    Articled 12 months ago
    Michigan Catastrophic Claims Association announces $400 per-vehicle refund. Every eligible insured Michigan driver as of Oct. 31, 2021, will receive refunds beginning in March 2022.
  • PRESS RELEASE - November 3, 2021  
    Articled last year
    MCCA Board Announces Support for Consumer Refunds Resulting from Auto No-fault Reforms.