Auto Insurance Refund FAQ
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Auto Insurance Refund FAQ

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As you may have heard, the Michigan Catastrophic Claims Association (MCCA) is distributing $3 billion of its $5 billion surplus to Michigan insurance companies, so that companies can issue refunds to their insureds. This distribution of funds was initiated on March 9, 2022, meaning that refunds are in process.

Many people understandably have questions about these refunds. This post is intended to give you answers to a few frequently asked questions (FAQ).

MCCA Auto Insurance Refund FAQ

How Much Will My Refund Be?

$400 per eligible vehicle. So, for example, you’ll receive a $1,200 refund if you have three eligible vehicles.

What Is an “Eligible Vehicle?”

Any vehicle*, including a motorcycle or RV, that was insured for legal, on-road use as of 11:59 p.m., October 31, 2021. Please note that vehicles with storage-only coverage and trailers are not eligible for a refund.

Please note that fleet vehicles that are insured under a commercial auto policy are also eligible. For more specifics, please visit

*Historic vehicles are only charged 20% of the annual assessment. Therefore they are eligible for a refund of $80.

When Will I Get My Refund?

As soon as possible, but no later than May 9, 2022, which is the deadline for insurance companies to distribute refunds.

How Will I Get My Refund?

By check or direct deposit. The method varies by insurance company, but no other methods are allowed.

What Do I Need to Do to Receive My Refund?

Nothing. However, if you want to prevent possible delays, you may wish to contact your insurance company to make sure they have up-to-date mailing and banking information for you.

Also, the Michigan Department of Insurance and Financial Services (DIFS) is concerned that criminals may take this opportunity to contact Michiganders with scams related to MCCA refunds. Please remember that no action is required of you to receive your refund, and you should not provide personal information if an unsolicited caller contacts you about your refund.

What Other Information Do I Need?

For even more information, including specifics about commercial and historic vehicles, visit

Making the Complex Simple

Many people currently have questions about the MCCA auto insurance refunds. We hope this post has been helpful. If you have further questions, please feel free to contact us.

Saginaw Bay Underwriters has made every attempt to ensure this information has been obtained from reliable sources. Source: Current as of: March 2022