Repeal and Replace Michigan's No Fault Auto Insurance and Dissolve the MCCA

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No-Fault insurance reform has failed miserably since it was first enacted in Michigan on October 1st, 1973.  It has not lived up to the promise of reduce insurance premiums or in reducing courtroom tort litigation. By repealing and replacing the Michigan No-Fault Law and dissolving the Michigan Catastrophic Claims Administration (MCCA), insurance rate will drop considerably for everyone in the state.

  • It is estimated that approx. a third of the driving population in Michigan are driving with out insurance due to the high cost, which raises premiums for every driver.
  • Michigan has the highest auto insurance rates in the country, yet Michigan drivers rank 44th out of 51 (DC included) for driver safety according to data from the National Highway Traffic Safety Administration. Ohio is has one of the lowest auto insurance costs per driver in the country and ranks 45th in driver safety according to the same data.
  • Only 12 states require personal injury protection (PIP).  Michigan's PIP coverage requirement allows for unlimited medical coverage, while Florida has a maximum of $10,000. Florida ranks 28th on the list of driver safety.
  • Michigan is unique among all no-fault states, in that, its no-fault law offers unlimited medical care under its PIP coverage and in that it does not use medical fee schedules (maximum fees that can be charged for common types of medical treatment for auto accidents, similar to the fees set under the state’s workers compensation system).
  • Each vehicle in Michigan is charged $186 per year to the Michigan Catastrophic Claims Administration (MCCA). 
  • The MCCA is a private, nonprofit association created by the legislature in 1978 that reimburses auto insurers for personal injury protection benefits after they exceed $500,000 per claim.  Claims up to $499,999 are covered by Michigan's PIP coverage.
  • In Michigan, unlimited MCCA benefits that has driven up costs to what many consider are unsustainable levels. Michigan’s benefits are unlimited and New York's benefit ranks second, with cap of $50,000
  • Several U.S. states have experimented with and repealed their no-fault laws. Twenty-four states originally enacted no-fault laws in some form between 1970 and 1975. Currently, only 12 states continue to operate the no fault system.
  • In 2012, RAND Corporation published a study which found that costs were higher in no-fault systems.  In the case of economic (medical and wage-loss) damages, most no-fault systems permit injured parties to seek recovery only for damages that are not covered by available first-party insurance benefits. In the case of non-economic (pain-and-suffering) damages, most no-fault systems permit injured parties to seek compensation only in cases of exceptionally "serious" injury. 
  • The Michigan State government has allowed the MCCA (comprised of the States 5 largest insurers and only 1 government agency to set the annual fee for the
  • Michigan auto insurance companies will raise rates based on the MCCA assessment increase they approved.  Although the MCCA assessments are technically charged to Michigan auto insurance companies, it is the Michigan auto-insurance-buying public who gets stuck with the tab, not the insurance companies.

The high cost of auto insurance is a significant burden on Michigan drivers.  By reforming auto insurance, we can greatly decrease the overall cost of insurance, get more drivers to purchase insurance, and pay insurance rates that match our actual driving records.  Please sign this petition and help the people of Michigan repeal and replace the Michigan No-Fault Insurance law.

REGISTERED MICHIGAN VOTERS ONLY PLEASE.



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