What Is The Michigan Catastrophic Claims Association?

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Christensen Law 
David Christensen  
25925 Telegraph Rd #200  
Southfield, MI 48033 
(248) 213-4900 
inquiry@davidchristensenlaw.com 
https://www.davidchristensenlaw.com 
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The No-Fault Auto Insurance Act creates a Michigan Catastrophic Claims Association that pays injured motorists’ bills in the most serious of auto accidents. But what is the MCCA and how does it work?

In 1978, the Michigan legislature added MCL 500.3104, which created the Michigan Catastrophic Claims Association (MCCA). This unincorporated, non-profit entity is made up of all the licensed auto insurance providers in the state. It has one job: to cover catastrophic medical expenses from car crashes in Michigan.

Here’s how it works.

The MCCA collects a fee from every insured driver in Michigan, paid through their auto insurance policies. The fee is calculated based on the number of vehicles each provider covers. In 2015, the Michigan Catastrophic Claims Assessment was $150.00 per vehicle.

All that money pools together in the care of the Michigan Catastrophic Claims Association. Then, when a motorist is seriously injured in an auto accident, her insurance company can look to the MCCA for help paying for her medical expenses.

The MCCA only applies in the most serious of auto accidents. The amount at which an auto insurance provider is allowed to turn to the MCCA for help goes up a little every year. In 2015, the amount is $545,000. If more than one person is injured in an accident, each one needs to reach that amount before his claim can be submitted to the MCCA.

About David Christensen
LISTENING. PROTECTING. WINNING
At Christensen Law, we are leaders in helping victims of automobile and truck accidents. We understand the overwhelming challenges that come with these life-changing events, and we want to help. You are not alone – we will become your voice.

Christensen Law 
David Christensen  
25925 Telegraph Rd #200  
Southfield, MI 48033 
(248) 213-4900 
inquiry@davidchristensenlaw.com 
https://www.davidchristensenlaw.com 
https://plus.google.com/101403597068266196711/posts