What Is Mcca Fee On Auto Insurance? 
MCCA fee only applies to Michigan residents . MCCA is a catastrophic claims fund that is mandated by state law . For someone who is seriously injured , the auto insurance company is required to provide medical coverage up to $ 530,000 . Anything over that is paid by this MCCA fund . MCCA fees are quite expensive . As of today , it costs $ 186 per year , per vehicle . That rate usually increases every year , with July 1 as the effective date . 