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Michigan Catastrophic Claims Association According to the No-Fault Law

Lawyer Commentary on No-Fault Statute: MCL 500.3104

Catastrophic claims association; establishment, membership; indemnification; members’ obligations; powers and duties; board of directors; plan of operation

The Michigan Catastrophic Claims Association (MCCA) is an unincorporated, nonprofit association that indemnifies its member-insurers for No-Fault personal protection insurance (PIP) benefits paid to catastrophically injured motor vehicle accident victims. The MCCA’s duty to indemnify kicks in only after its member-insurers’ payouts have exceeded a statutorily prescribed dollar amount.

Under the new No-Fault law that took effect June 11, 2019, the MCCA will continue to pay for the medical benefits of all catastrophically injured car accident victims who claim benefits under a No-Fault auto insurance policy that was “issued or renewed before July 2, 2020.”

However, for policies “issued or renewed after July 1, 2020,” which is when the new No-Fault PIP medical benefits coverage levels will become available, the MCCA will only pay for catastrophic injury benefits for those victims claiming benefits under a policy where the named insured on the policy has selected “unlimited” No-Fault PIP medical benefits coverage.

The Michigan Catastrophic Claims Association’s members include all automobile insurance companies that are authorized to do business in Michigan. They are bound by the association’s “plan of operation.” Further, if an insurer fails to become a member, or terminates membership, it can no longer sell insurance in Michigan.

Insurance Lawyers of Michigan Auto Law

The lawyers of Michigan Auto Law have been specializing in automobile No-Fault litigation for more than 50 years. If you have been injured in an auto accident and need help navigating your No-Fault insurance policy, please call one of our expert attorneys for a free case evaluation at (800) 777-0028 or fill out our consultation form. There is absolutely no fee or obligation.

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