What is the Michigan Catastrophic Claims Association recoupment fee that I may see on my auto policy?
This Michigan Catastrophic Claims Association (MCCA) recoupment fee is an annual per car assessment that may have administrative expense fees added to it. In the past, some insurers have displayed this fee on their automobile insurance declarations page. The assessment that is the foundation of the recoupment fee is determined by the MCCA board of directors, which is made up of five representatives of automobile insurers who underwrite coverage in Michigan. This non-profit non-governmental association was created by the state legislature in 1978 to cover automobile insurance personal injury protection (PIP) claims over a certain dollar threshold for each person injured by an automobile accident covered by a Michigan no-fault policy. An injured person submits his/her PIP claim to the responsible insurer who pays the claim and then seeks reimbursement from the MCCA for costs over the monetary threshold. Insurers should handle the payment of PIP claims so that insureds do not notice a dif
