The Michigan Catastrophic Claims Association (MCCA) is an unincorporated association that operates as a non-profit organization. It was formed by the Michigan State Legislature in 1978 because the smaller automobile insurance companies found it difficult to get reinsurance for no-fault policies. The aim of the MCCA was to help provide unlimited benefits that could last a lifetime for someone who was catastrophically injured in car accidents. As a result of the formation of the MCCA, the costs of these claims for catastrophic injury would be spread out among all the insured drivers in the state.
Even though the MCCA was created by statute, it is a private association. The Association deals directly with the insurers in the state, and not with consumers. There is a Board of Directors that consists of five people from the top insurance companies in the state. These five people are appointed by the Commissioner of the Office of Financial and Insurance Regulation. The Commissioner of the OFIR is a non-voting member of the board.
Michigan is the only state that has a no fault law that provides coverage for unlimited medical expenses for life of those injured in automobile accidents. The process works as follows:
Anyone who has an automobile or motorcycle no fault insurance policy in Michigan is covered for personal injury protection from the MCCA. To receive these funds, the individual insurance policy holder only has to file a claim with his or her insurance carrier. The insurance company will pay the claim for medical expenses and then turn in the paperwork for reimbursement from the MCCA.
If you have been involved in a serious or catastrophic car accident in Michigan, you may have many questions about the MCCA and about other aspects of your right to recover damages. You may want to speak with a qualified lawyer to understand your options.