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Many of you “playing the brackets” for the NCAA College Basketball Tournament have had some serious upsets.  How many of your teams picked to go to the Final Four are actually going to make it?  Feeling ripped off?  Like, there’s no way you’re getting your money back this year, right?  Wouldn’t an NCAA refund be nice?

Some of you have already received your MCCA Refunds from your auto insurance company.  This refund isn’t from the NCAA, it’s the MCCA (Michigan Catastrophic Claims Association) Fund.  Our government isn’t refunding your money lost betting on March Madness!  Perhaps we’ll see that one day…

All vehicles (autos, motorcycles, and RVs) that were insured as of 11:59 p.m. on October 31, 2021 are eligible to receive a $400 refund if the vehicle was covered by a policy that meets the minimum insurance requirements for operating a vehicle on Michigan roads.

The MCCA is a fund created, owned, and controlled by the State of Michigan.  When we pay for our auto insurance, part of what we pay goes into the MCCA fund.  The MCCA fund is used to pay for catastrophic auto claims.  Once the medical expenses for an auto accident claim reach the “catastrophic” threshold (currently at $580,000) the MCCA fund starts reimbursing the insurance company.  The MCCA Fund is the “flux-capacitor” (Back to the Future reference here) that makes Unlimited Personal Injury Protection (PIP) possible.  Michigan’s Unlimited PIP is the best coverage for auto accident injuries in the U.S.A.!

The insurance companies in Michigan are hustling to get your refund check to you.  Given technology, etc. some insurance companies are able to move more quickly on this than others.  If you don’t have your MCCA refund check by the second week of May, contact your auto insurance agent to find out what happened!