Every few weeks or so we get this question: What is this MCCA fee that I see on my Michigan No-Fault Auto Insurance Policy?

MCCA stands for Michigan Catastrophic Claims Association. This association reimburses insurance companies for auto accident related medical claims that exceed $440,000 (as of July 1st, 2008). In the state of Michigan your medical benefits are unlimited if you’re injured in an auto accident and the MCCA makes sure that insurance companies don’t have to pay more than $440,000 of the damages.

The MCCA fee is the portion that you pay per vehicle to keep this association going. It’s required on every vehicle in Michigan and the rate is set by the MCCA and periodically adjusted to cover expenses. Vehicles registered as Historic in Michigan are subject to a reduced MCCA fee.