About Consumer Information Financial Reports Oversight Press Releases The MCCA is a private, non-profit association whose mission is to protect the financial integrity of Michigan's auto insurance industry by providing an effective reinsurance mechanism for Personal Injury Protection (PIP) benefits. December 03, 2021 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 2021-2022 assessment is $86 per vehicle. Current Assessment $86.00 Per Vehicle Retention $600,000 Per Occurrence Highlights PRESS RELEASE - November 3, 2021 Articled last month MCCA Board Announces Support for Consumer Refunds Resulting from Auto No-fault Reforms. PRESS RELEASE - November 25, 2020 Articled last year The Michigan Catastrophic Claims Association (“MCCA”) is lowering the assessment charged per vehicle to $86.00 for the period beginning July 1, 2021 through June 30, 2022. PRESS RELEASE - November 13, 2019 Articled 2 years 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 3 years 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 4 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. Copyright 2021 by Michigan Catastrophic Claims Association | Privacy Statement | Terms Of Use | Contact Us