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October 24, 2020

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 $580,000. 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 $580,000.

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 2020-2021 assessment is $100 per vehicle.

Current Assessment

$100.00 Per Vehicle

Retention

$580,000 Per Occurrence

Highlights

  • PRESS RELEASE - November 13, 2019  
    Articled 12 months ago
    The Michigan Catastrophic Claims Association (“MCCA”) is lowering the assessment charged per vehicle to $100 for the period beginning July 2, 2020 through June 30, 2021.
  • PRESS RELEASE - March 27, 2019  
    Articled last year
    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 3 years ago
    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 4 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 4 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