Skip to main content

Gov. Whitmer Fights to Lower Costs for Drivers, Calls for Refund Checks to Every Michigander with Auto Insurance


November 1, 2021 


Gov. Whitmer Fights to Lower Costs for Drivers, Calls for Refund Checks to Every Michigander with Auto Insurance 

Governor requests Michigan Catastrophic Claims Association to return more than $5 billion surplus to Michiganders 

LANSING, Mich. - Today, Governor Gretchen Whitmer continued her fight to lower costs for Michigan families, calling on the Michigan Catastrophic Claims Association (MCCA) to deliver refund checks to every Michigander with auto insurance. This refund is possible in part because of the historic, bipartisan auto insurance reform signed into law by the governor in 2019 and would return money to every Michigander with auto insurance. 

"The over $5 billion surplus accumulated by the MCCA belongs to Michiganders and should be put in people's pockets immediately with a refund check," said Governor Gretchen Whitmer. "As we stay-laser focused on growing our economy and ushering in a new era of prosperity we need to use every resource we have to help people thrive. A refund check to working families will help us continue to put Michiganders first and drive down costs." 

Auto Insurance Reform 

In May 2019, Governor Whitmer signed Senate Bill 1 into law, instituting historic, bipartisan reforms to fix Michigan's broken auto insurance system. The bill saves drivers money by:? 

  • Guaranteeing lower rates for drivers for eight years;??? 
  • Giving people choice to pick their own?Personal Injury Protection?(PIP)?options?with coinciding?PIP?rate reductions, offering?unlimited coverage (at least 10%?PIP?reduction), $500K coverage (at least 20%?PIP?reduction), $250K coverage (at least 35%?PIP?reduction),?$50K coverage for Medicaid eligible recipients (at least 45%?PIP?reduction), or a complete opt out for seniors or anyone with sufficient private insurance (100%?PIP?reduction).? 
  • Increasing consumer protections by banning companies from using the following non-driving factors to set rates: ZIP code, credit score, gender, marital status, occupation, educational attainment, and homeownership.?