Skip to main content

Your Michigan Auto Policy – Part 2


The Michigan Catastrophic Claims Association (MCCA), a private non-profit unincorporated association, was created by the state Legislature in 1978. Michigan’s unique auto insurance no-fault law provides unlimited lifetime coverage for medical expenses which result from auto accidents. The MCCA reimburses auto no-fault insurance companies for each Personal Injury Protection (PIP) medical claim paid in excess of a set amount. Currently that amount is $545,000. That means that the insurance company pays the entire claim, but is reimbursed by the MCCA for medical costs over $545,000.wheelchair

All auto insurance companies operating in Michigan are assessed to cover the catastrophic medical claims occurring in Michigan. Those assessments are generally passed on to auto insurance policyholders. The 2016-2017 assessment is $160.00 per vehicle.

If you would like to discuss other coverages on your policy such as collision, comprehensive, towing and rental please contact your agent!

Your Michigan Auto Policy – Part 1