Michigan drivers with auto insurance will pay more money than ever — $192 annually per vehicle — to cover unlimited medical benefits for severely injured motorists. The fee was announced by the Michigan Catastrophic Claims Association, a state-created entity that reimburses insurers for personal injury benefits exceeding $555,000 per claim.

According to the Associated Press, it is a $12 or 13 percent increase above the current $170 assessment and will cover policies issued or renewed from this July through June 1919.

The fee fluctuates each year but will reach an all-time high, surpassing the $186 assessments imposed from mid-2013 through mid-2015. Of the $192, $161 will cover anticipated new claims and expenses and $31 will address a $2.3 billion deficit to existing claims, the AP reported.

The association, based in Livonia, is guided by a board comprised of insurance company officials. According to the association the pending fee increase is due to higher-than-expected claims costs, partially offset by better-than-expected investment returns. It reported 16,510 open claims and $1.2 billion in spending in the last fiscal year, or $100 million a month. Nearly 56 percent of loss payments were for residential or attendant care.

Michigan is the only state to require unlimited lifetime coverage for medical expenses resulting from car crashes — typically for brain, spinal cord, neck and back injuries. It also allows health providers much more for care than health insurers pay.

The AP said Legislative attempts to reduce auto premiums have stalled despite Michigan having among the highest average rates in the country.

In November, the Michigan House sought a cut, for five years, in personal injury protection fees for motorists choosing $250,000 or $500,000 rather than unlimited PIP coverage, which is now mandatory.

The Coalition Protecting Auto No-Fault group of health care providers and plaintiffs’ attorneys that opposes making unlimited coverage optional, renewed its call to subject the claims association to the state open-records law.

Josh Hovey, spokesman for the group, questioned how the rate hike is justified when cars are safer, there are fewer accidents and the claims association’s assets ‘‘should have made a fortune given the performance in the financial markets this past year.”

The insurance industry has said the claims association provides adequate financial to the public, and the larger issue is Michigan’s unique system and a lack of controls on medical costs. The claims association said an independent actuarial consulting firm helps determine the per-car fee each year.

We’ve heard complaints about the high auto insurance fees in Michigan for years. Regardless of the griping, the fees continue to climb. The power of the lobbyists working for the auto insurance industry should not be underestimated.