All drivers in Michigan are required by law to have three mandatory insurance coverages:

• Personal Injury
• Property Protection
• Residual Liability

Insurance companies also offer optional coverage as part of the no-fault insurance policy.

• Collision Insurace
• Comprehensive
• Uninsured Motorist
• Road Service

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What about the MCCA?

MCCA stands for Michigan Catastrophic Claims Association. It is a special fund set up by state law. Our no-fault insurance system provides unlimited medical benefits for people who are hurt in auto accidents. So, a single injury can cost millions of dollars. MCCA reimburses insurance companies for these large losses after they reach a certain amount. Then the companies have to pay an assessment to cover MCCA's liabilities. Finally this cost is passed on to all policyholders. In other words the MCCA charge is your share of the cost for catastrophic injuries resulting from traffic accidents.

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