Following the bipartisan 2019 auto insurance reform plan, the Michigan Catastrophic Claims Association (MCCA) is to deliver $400 refund checks to every Michigander with auto insurance.
The process of refunding $400 per insured vehicle to Michigan Drivers will begin immediately and those eligible should expect their check in the second quarter of 2022.
If eligible, you do not need to take action in order to receive a refund. 
The MCCA determined that approximately $3 billion of the surplus funds will be returned while maintaining continuity of care for auto accident survivors.
The Refund plan will return money to every Michigander with an auto insurance policy in force as of 11:59 p.m. on October 31, 2021. 
The surplus money will be distributed to insurance companies by March 9, 2022 and they will be responsible for issuing checks within 60 days of the fund transfer from the MCCA.  

Auto Insurance Reform 

In May 2019, Governor Whitmer signed Senate Bill 1 into law, instituting historic, bipartisan reforms to fix Michigan’s broken auto insurance system. The bill saves drivers money by:  

  • Guaranteeing lower rates for drivers for eight years;    
  • Giving people choice to pick their own Personal Injury Protection (PIP) options with coinciding PIP rate reductions, offering unlimited coverage (at least 10% PIP reduction), $500K coverage (at least 20% PIP reduction), $250K coverage (at least 35% PIP reduction), $50K coverage for Medicaid eligible recipients (at least 45% PIP reduction), or a complete opt out for seniors or anyone with sufficient private insurance (100% PIP reduction).  
  • Increasing consumer protections by banning companies from using the following non-driving factors to set rates: ZIP code, credit score, gender, marital status, occupation, educational attainment, and homeownership.  
  • Setting fee schedules for hospitals and providers to prevent overcharging for auto-related injuries.  

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