Michigan Catastrophic Claims

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17584 N Laurel Park Dr

Livonia, MI 48152

+1 (734) 953-2779

https://www.michigancatastrophic.com

The Michigan Catastrophic Claims Association (MCCA) is a private non-profit organization established in 1978 by the Michigan Legislature to safeguard the financial stability of the state's auto insurance industry through an effective reinsurance program for Personal Injury Protection (PIP) benefits. It provides reimbursement to insurance companies for medical claims exceeding a specified threshold under unlimited lifetime coverage, currently set at $675,000, thus mitigating costs associated with catastrophic medical incidents related to motor vehicle accidents.

With changes to the no-fault insurance law, the MCCA assesses auto insurance companies operating in Michigan to support catastrophic claims, typically passing these costs onto policyholders. In the most recent assessment period, the organization announced adjustments to vehicle assessments for unlimited and other PIP benefit levels, reflecting ongoing efforts to control costs following reforms enacted in 2019.

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