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What is MCCA in Michigan?

What is the MATPA fee? Is it the same as MAIPF and MCCA?

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Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
MATPA stands for Michigan Auto Theft Prevention Authority. The MATPA fee, usually referred to as the MCCA (Michigan Catastrophic Claims Association) fee or MAIPF (Michigan Automobile Insurance Placement Facility) fee allows everyone in
Michigan
to have unlimited
personal injury protection (PIP)
coverage in the event of an auto or motorcycle accident. 
Michigan recently increased the fee, so unlimited PIP coverage costs each vehicle $122 a year. If you have less coverage, you’ll pay $48 annually.
PIP is a type of no-fault
car insurance
coverage that covers health care expenses for you and the passengers in your vehicle. MCCA is a nonprofit organization that was created by the state legislature to pay for the medical expenses of car crash victims. 
Pro tip: Check your health insurance and review what coverage you have. You might be able to reduce the PIP coverage you pay for through your auto insurance. But, if you remove or reduce too much PIP coverage, you’ll be left financially vulnerable if you get into an injury accident.
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