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Skip to content The MCCA is a private nonprofit association whose mission is to protect the financial integrity of Michigans auto insurance industry by providing an effective reinsurance mechanism for Personal Injury Protection PIP benefits. Purpose The Michigan Catastrophic Claims Association MCCA is a private unincorporated nonprofit association created by the Michigan Legislature in 1978. From the time the Legislature created the MCCA until July 2 2020 Michigans unique nofault insurance law required the owners and registrants of motor vehicles registered in Michigan to buy unlimited lifetime coverage for medical expenses resulting from motor vehicle accidents. Although Michigan law no longer requires owners and registrants to buy unlimited lifetime coverage for medical expenses resulting from motor vehicle accidents that option remains available to them.