Insurance Glossary

MCCA

Auto

Definition

Michigan Catastrophic Claims Association - a state-mandated reinsurance association that reimburses auto insurers for Personal Injury Protection (PIP) medical claims exceeding a set threshold. The MCCA collects an assessment fee from every insured Michigan driver to fund catastrophic injury claims under Michigan's no-fault auto insurance system.

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Related Terms

Personal Injury Protection

Auto insurance coverage (also called PIP or no-fault insurance) that pays for medical expenses, lost wages, and other costs for you and your passengers after an accident, regardless of who was at fault.

Unlimited PIP

A unique feature of Michigan's no-fault auto insurance system that provides unlimited lifetime medical coverage for injuries sustained in auto accidents. Policyholders can choose unlimited PIP or select capped amounts ($500,000, $250,000, or $50,000) under Michigan's 2019 auto insurance reform.

Collision Coverage

Insurance coverage that pays for damage to your vehicle resulting from a collision with another vehicle or object.

Comprehensive Coverage

Insurance coverage for damage to your vehicle from causes other than collision, such as theft, vandalism, fire, weather events, or hitting an animal.

Uninsured Motorist Coverage

Insurance that covers you if you're in an accident caused by a driver who doesn't have liability insurance.

Motorcycle Insurance

Specialized insurance coverage for motorcycles including liability, collision, comprehensive, uninsured motorist, and optional coverages like accessory coverage and roadside assistance.

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