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Update on Refunds from the MI Catastrophic Claims Association

The Michigan Catastrophic Claims Association (MCCA) surplus funds will be turned over by the MCCA to the insurance companies operating in Michigan by March 9, 2022, and the insurers will be responsible for issuing checks or ACH deposits to eligible policyholders. DIFS will direct insurers to issue refund checks or ACH deposits to consumers as expeditiously as possible, but in no event later than 60 days after the transfer of funds.

If you are eligible to receive a refund and do not receive your check by the deadline, contact your insurance company. If you have questions or concerns that cannot be resolved directly with your insurer, contact DIFS by calling Monday through Friday 8 a.m. to 5 p.m. at 833-ASK-DIFS (833-275-3437) or emailing autoinsurance@michigan.gov.

Please click HERE for answers to frequently asked questions and additional information about the surplus refund process.

On the Question of Commercial/Fleet vehicles: “I own a company that operates a fleet of cars. They were all insured for road use as of 11:59 p.m. on October 31, 2021. Will these cars be eligible for an MCCA refund and, if so, how much can I expect to receive?”
Answer: Fleet vehicles are eligible for the MCCA refund. The refund amount will depend on how the vehicles are identified in the fleet's auto insurance policy.
 • For vehicles that are individually identified in the policy, such as by VIN or license plate number, the full MCCA refund of $400 per vehicle will be given for each vehicle.
 • For policies that are written on a per-plate basis, such as those used by car dealerships with license plates that are moved from car to car as needed, the MCCA refund of $400 will be calculated and sent on a per-plate basis.
 • For commercial fleet policies that are written on a gross-receipts basis, or for other types of policies where individual vehicles cannot be identified, the refund will be calculated as 135% of the applicable in-force commercial auto PIP written premium related to those policies.

For more information about how your commercial policy is written and how your refund will be calculated, contact your insurance agent or company.