MCCA’s annual report showcases continued commitment to transparency and fiscal responsibility
Highlights include number of claims reported, payment details, reimbursement totals
LANSING — The Michigan Catastrophic Claims Association (MCCA) recently released its 2025 Annual Report to the Legislature and Annual Consumer Statement, which includes comprehensive financial information, analysis, helpful reference materials and more.
The MCCA is a model of financial stability and success. It serves the state as a nonprofit auto reinsurer and makes Michigan’s unique unlimited lifetime coverage option possible. Established by the Legislature in 1978 with mandatory membership for all auto insurers in Michigan, the MCCA enables insurance companies to provide no-fault coverage that supports the medical care of those who have been catastrophically injured in car crashes.
“At the MCCA, we are committed to transparency and strive to be a helpful resource to policymakers, their staff, the media and the people of Michigan, especially those who have been injured in auto accidents,” said Kimberly Bezy, executive director of the MCCA. “Our annual report is a testament to our mission, values and commitment, and we encourage anyone who is interested in the insurance industry to use this report as a resource. Michigan is the only state in the nation to offer unlimited Personal Injury Protection (PIP) coverage, which makes the MCCA a unique, one-of-a-kind entity.”
Prior to passage of the bipartisan auto no-fault reforms in 2019, drivers paid $220 for every vehicle. In July 2026, the fee dropped to $84 for those drivers selecting unlimited PIP and $19 for those selecting other coverage limits.
Key findings in the 2025 report include:
The MCCA has had 49,895 catastrophic claims reported to it since it was created in 1978.
Since its creation, the MCCA has reimbursed $25.6 billion for the ongoing medical care needs of people catastrophically injured in auto accidents.
Last year, the MCCA reimbursed $1.23 billion in claims, an average monthly payment of $102.1 million.
As required by Michigan law, the comprehensive report also includes important information about the MCCA including:
detailed financial information,
important reference materials for policymakers,
information about the association’s website,
the leadership team, board of directors and standing committees
and much more.
"This report highlights the essential role the MCCA plays in stabilizing the insurance market and making Michigan’s unique auto no-fault coverage more accessible and more affordable for all Michigan drivers, and most importantly supporting the continued care for Michigan residents who have been catastrophically injured," Bezy said.
To read the full Annual Report to the Legislature and Annual Consumer Statement, visit the MCCA’s website. To learn more about the MCCA, visit michigancatastrophic.com.
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The Michigan Catastrophic Claims Association is a private, non-profit association that serves as the state’s reinsurer for auto insurance companies. Since its creation in 1978, the MCCA has been a model of financial stability and success, allowing insurance companies to provide no-fault coverage that pays for medical care of those who have been catastrophically injured in car crashes.