The MCCA Assessment – Bikers Shafted Again!

The MCCA reimburses auto No-Fault insurance companies for each Personal Injury Protection (PIP No-Fault) medical claim it pays over a set amount (Catastrophic Max). That set amount is adjusted yearly for inflation. Currently as of November 2021 it is $600,000. This limits the total medical exposure that any insurance company has for any one claim to $600,000. 

Before the law changed in 2020, all motorists (including motorcyclists) paid an assessment on each vehicle insurance policy to fund the MCCA. On July 1, 2020, PIP Medical choice became the law. We now choose the amount of PIP Medical coverage on our car, truck and van policies (PIP Medical is not available for motorcycles). Now unlimited medical coverage is only for those who choose it. 

The only choice that is above the $600,000 Catastrophic Max is the ‘unlimited’ choice. Anyone that chooses $500,000 or less, does not have to pay the $86 assessment because they can never have a claim that will qualify for reimbursement by the MCCA. 

Motorcyclists are Shafted by MCCA 

Car drivers and motorcyclists are treated differently here. Only those individuals insuring a car, truck or van that choose unlimited PIP Medical are required to pay the MCCA fee. However, everyone insuring a motorcycle must pay this assessment. 

Not All Motorcycle Accidents Qualify for Medical Payment in Michigan 

Michigan motorcyclists only receive No-Fault benefits IF A ‘MOTOR VEHICLE’ (car, truck or van) is involved in the motorcycle crash. There are many kinds of motorcycle injury accidents that do not involve a ‘motor vehicle.’ For example, hitting a pothole or other road defect, striking a deer or dog, going wide on a curve, losing control because of loose gravel or being hit by another motorcycle. In each of these situations there is no ‘motor vehicle’ involved and thus, no No-Fault benefits/ medical bills will be paid. So why do motorcyclists have to pay the MCCA assessment? 

Even Fewer Motorcycle Unlimited Medical Claims

A horrible result of the of PIP Medical choice being enacted, is that the motorcyclists who do qualify for medical coverage, the coverage is in the amount THE CAR OWNER chose for himself! Motorcyclists are at the mercy of what the negligent driver chose for the car driver’s own PIP Medical. If they chose $50,000, that is all the motorcyclist gets.

The only way a motorcyclist’s medical claim can be reimbursed from the MCCA is when there is a car (truck or van) involved AND that car driver also must have also purchased Unlimited PIP Medical.

Why then should every motorcyclist have to pay the MCCA assessment? Minimally a reduced amount makes logical sense. Just another way Michigan motorcyclists get shafted under our No-Fault Law. 

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