blue piggy bank on blue car waiting to be filled by the $400 refund checks from MCCA to Michigan drivers

Michigan Drivers: $400 per vehicle refunds coming soon


Following the recent November vote to support Gov. Gretchen Whitmer’s plan to issue refund checks to Michigan drivers, the Michigan Catastrophic Claims Association (MCCA) has finalized its plan to distribute these funds. Careful analysis by the MCCA revealed that of their $5 billion surpluses, about $3 billion was safe and able to be distributed back to policyholders. This amount was selected to maintain funds for future use while still giving policyholders the highest possible refund.

What does this mean for you, the policyholder? The MCCA’s official plan is to provide Michigan drivers with a $400 per vehicle refund. These refunds are scheduled to be sent out during the second quarter of 2022 by your insurance carrier.

Insurance companies are expecting the money from MCCA by March 9, 2022, and will have 60 days after the transfer of funds to issue refund checks.

It has yet to be seen how the refunds will be sent to policyholders. While MCCA is encouraging the insurance companies to send a check, some may look to issue a credit on your insurance premium. Stay tuned for updates.

You will not need to take any action. This is all expected to happen automatically if you had a policy in force as of October 31, 2021.

Refunds will go to those with motorcycle policies too, but not ones that are on storage policies, according to the Department of Insurance and Financial Services.

As you probably already know from living in Michigan, we are known for our high insurance rates. If you would like a refresher on the last update to MCCA Policies, you can read our blog here that breaks down the basic changes.

For FAQs about Michigan’s No-Fault Law, check out our blog here, or if you are unfamiliar with any insurance terms such as Personal Injury Protection Coverage (PIP) we also have a glossary.

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Headquartered in Rochester Hills, Mich., Allied Insurance Managers is one of the largest, privately-owned, independent insurance agencies in Michigan.