To require Michigan Catastrophic Claims Association (MCCA) auto insurance premium surcharges to be paid up front for the entire period of a policy, rather than pro-rated by installment payment, and prohibit an MCCA refund if the person cancels his or her insurance. This is intended to prevent individuals from purchasing a policy required under Michigan’s no-fault insurance law in order to register a vehicle, and then cancelling it after he or she gets the license plate or tab. MCCA is a reinsurance provider established by the no-fault law that covers unlimited vehicle accident medical claims above $500,000.   Official Text and Analysis.