More than $900 million in auto insurance reimbursements sent to Michigan drivers; $2.1 billion still coming

Governor Gretchen Whitmer today announced that nearly one-third of eligible Michigan residents have already received their $400 automatic refund checks from the Michigan Catastrophic Claims Association (MCCA) surplus catastrophic funds.

According to data compiled by the Michigan Department of Insurance and Financial Services (DIFS), more than $906 million of the total $3 billion in surplus funding has been distributed, which Whitmer attributed to “bipartisan auto insurance reform” it’s a statement.

Auto insurers have until May 9 to deliver the remaining $2.1 billion via mailed checks or direct deposit to eligible drivers.

At a press conference in Lansing on Thursday afternoon, April 14, DIFS Director Anita Fox called it a “huge process” to ensure all eligible Michigan residents receive their refund by the deadline. that is approaching It’s one of her department’s top priorities, Fox said.

He went on to say that, after discussions between the department and insurers, he is confident that they will, in fact, be able to meet the May 9 deadline.

“We wanted to touch base, we wanted a realistic deadline, but not a long one because Michiganders need this money now,” Fox said. “It was really about how we can work together to make sure this gets done.”

Fox also said anxious residents should be careful about giving out their personal information, given reports of scams that began when the rebate was first announced.

The MCCA is a statutory nonprofit organization that all auto insurers pay for personal injury protection under the state’s no-fault auto insurance system.

The rebate announcement came after Whitmer’s request in November 2021 that the MCCA use a $5 billion surplus to pay drivers who have paid into the fund. Subsequently, the MCCA board voted unanimously to support issuing refund checks.

Related: Why is Whitmer asking the auto insurance industry to return the “maximum amount” of the $5 billion surplus to drivers?

After completing a fact-checking process, the MCCA transferred $3 billion to Michigan insurers responsible for issuing reimbursements to eligible drivers, retaining $2 billion of the excess to ensure continuity of care for accident survivors.

Meanwhile, some car accident survivors have expressed frustration about how much they’re reimbursed when treating auto-related injuries since that part of Michigan’s new no-fault insurance policy went into effect.

To be eligible for a rebate, Michigan residents must have owned a car, motorcycle, or RV that was insured for legal driving on Michigan roads as of 11:59 p.m. on October 31, 2021. Rebates are $400 per vehicle or $80 per historic vehicle. and are scheduled to ship no later than May 9.

Eligible residents do not need to do anything to receive their refund, but they may want to verify their address or bank information with their insurance company to avoid delays.

Eligible drivers who do not receive their refunds by the deadline should contact their auto insurer or agent. For questions or concerns that cannot be resolved directly by an auto insurer, please contact DIFS at 833-ASK-DIFS (833-275-3437) or email

More information is available at

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