Resources & ReportsResources for Consumers & Families
This page offers information about catastrophic injuries, the types of benefits MCCA funding supports and answers common questions from families navigating this system.
How the MCCA Helps Families & Individuals
If you or a loved one has experienced a catastrophic injury from an auto accident, understanding how care is funded and what resources are available can help you plan for the future.
While the MCCA doesn’t manage individual claims or provide direct payments, we do ensure the financial resources are there to support ongoing care paid for by your insurance company. The MCCA reimburses your auto insurance company for payments made when costs for care exceed the statutory retention amount.
Find Resources
Search or filter resources by topic to find information relevant to your situation.
2025 Annual Statement (Full Report)
Annual Statement of the Michigan Catastrophic Claims Association of Livonia in the State of Michigan to the Insurance Department of the State of Michigan
2025 Annual Consumer Statement
The Michigan Catastrophic Claims Association (MCCA) is a model of financial stability and success that has effectively served the state as a nonprofit re-insurer, enabling insurance companies to provide no-fault coverage that supports the medical care of those who have been catastrophically injured in auto crashes, without which Michigan’s unique option of unlimited Personal Injury Protection would not be possible.
Plan of Operation
Section 500.3104 provides that the MCCA establish a Plan of Operation outlining the administration of the Association. Section 500.3104 and the Plan of Operation are the key documents governing the MCCA.
2024 Annual Statement (Full Report)
Annual Statement of the Michigan Catastrophic Claims Association of Livonia in the State of Michigan to the Insurance Department of the State of Michigan
2023 Annual Statement (Full Report)
Annual Statement of the Michigan Catastrophic Claims Association of Livonia in the State of Michigan to the Insurance Department of the State of Michigan
FAQs for ConsumersCommon Questions
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No. The MCCA provides reimbursement to auto insurance companies, who manage the actual claims and pay for care. If you have questions about your claim, contact your insurance company directly.
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Your insurance company determines what benefits are available based on your injury and needs. MCCA reimbursement to your insurance company happens automatically when your costs exceed the statutory limit.
Explore Data
View charts and reports showing how funding is distributed and trends in catastrophic care costs.
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Learn More About MCCA
Discover the MCCA's mission, history, and role in Michigan's auto insurance system.