LANSING — The Michigan Catastrophic Claims Association (MCCA) continues to effectively serve as Michigan’s nonprofit auto reinsurer, paying nearly $25 billion for the medical care needs of people catastrophically injured since its creation in 1978.
Since its inception, the MCCA has paid $24.4 billionfor the medical care needs of people catastrophically injured in car accidents. The largest single claim paid to date: $28.7 million.
Additionally, the MCCA paid$1.35 billion last year, an average monthly payment of $112.6 million.
The MCCA is a model of financial stability and success, allowing insurance companies to provide unlimited, lifetime no-fault coverage that pays for medical care of those who have been catastrophically injured in car crashes.
“We are proud of our mission to help insurance companies provide one-of-a-kind no-fault coverage that pays for the medical care of the catastrophically injured,” said Kimberly Bezy, executive director of the MCCA.
Prior to passage of the bipartisan auto no-fault reforms in 2019, drivers paid $220 for every vehicle. In July 2025, the fee will drop to $82 for those drivers selecting unlimited Personal Injury Protection (PIP) and $23 for those selecting other coverage limits.
The reforms allow Michigan drivers to have a choice in the level of medical coverage included with their car insurance so they can pick a plan that works for their budget.
“The bipartisan 2019 auto no-fault reformsare continuing to make a positive difference, saving families money,”Bezy said. “Michigan is the only state in the nation that allows for unlimited medical coverage, so these reforms are definitely helping to keep the system sustainable financially.”
Since the MCCA’s creation in 1978,it has received49,104 catastrophic claims, averaging about 1,000 per year.
