CROSS RECEIPT AND RELEASE AGREEMENT

     Exhibit 2.3


                       CROSS RECEIPT AND RELEASE AGREEMENT
                       -----------------------------------

     THIS  AGREEMENT  is  made  and  entered  into  between  and  among  Lynn M.
Kalinowski ("Executive"),  ProAssurance Corporation  ("ProAssurance") and MEEMIC
Holdings, Inc. ("Holdings").

                                    RECITALS:

     On January 4,  2006,  ProAssurance  through  its wholly  owned  subsidiary,
Holdings,  sold to Motors Insurance Corporation  ("Purchaser") all of the issued
and  outstanding  capital  stock of  Holdings'  operating  subsidiaries,  MEEMIC
Insurance Company ("MEEMIC Insurance") and MEEMIC Insurance Services Corporation
("MEEMIC Agency" which together with MEEMIC Insurance are collectively  referred
to as the "Companies").  Under the terms of a letter agreement between Executive
and ProAssurance  dated November 4, 2005 (the "Letter  Agreement")  ProAssurance
agreed to pay  Executive  a success  fee (the  "Success  Fee") in the  amount of
$570,000,  of which  $285,000 is payable at closing of the sale of the Companies
(the  "Closing")  and the balance is payable 18 months after the Closing  unless
accelerated as provided in the Letter Agreement.  The Letter Agreement  provides
for the acceleration of payment of the second  installment of the Success Fee to
the date of Closing if prior to the Closing  Executive  agrees to terminate  the
Release  and  Severance  Compensation  Agreement  dated  June  15,  2001,  among
Executive,   ProAssurance,   Holdings  and  MEEMIC   Insurance  (the  "Severance
Agreement") and to release  ProAssurance,  Holdings and the Companies from their
respective obligations under the Severance Agreement.

     On December 21, 2005, Executive agreed to terminate the Severance Agreement
in the letter attached hereto as Exhibit A, and  ProAssurance  has paid the full
amount of the Success  Fee to the  Executive.  The parties  desire to enter into
this Agreement to evidence  payment of the Success Fee and the release of claims
as required under the Letter Agreement.

                                    AGREEMENT

     NOW,  THEREFORE,  these premises  considered,  and in  consideration of the
mutual  covenants  and  conditions  herein set forth and other good and valuable
consideration, the parties do hereby agree as follows:

     ProAssurance  shall pay, or cause its subsidiary,  to pay Executive cash in
the  amount of  $570,000  representing  the  payment of the  Success  Fee before
applicable and legally  required  withholding  for income and  employment  taxes
("Withholdings").

     The parties hereby  acknowledge that Executive was a participant in certain
employee benefit plans maintained by ProAssurance for employees of the Companies
on the date of Closing, and agree with respect to participation in such plans as
follows:

     On date of Closing,  Executive  held options to purchase  17,500  shares of
common  stock  of   ProAssurance   ("ProAssurance   Common   Stock")  under  the
ProAssurance Incentive Compensation Stock Plan (the "1995 Option"), all of which
became  vested  at  the  Closing  and  options  to  purchase  10,000  shares  of
ProAssurance Common Stock under the ProAssurance 2004 Equity Incentive Plan (the
"2004  Options"),  all of which  became  vested at the  Closing.  Executive  may
exercise the 1995 Options and the 2004 Options within 30 days after Closing. Any
options not exercised  within said time periods shall be forfeited in accordance
with  the  terms of the  respective  plans  and  agreements  for  said  options.
Executive  shall be required to make  arrangements  satisfactory to ProAssurance
for payment of all amounts  required  to be withheld  for income and  employment
taxes in connection with the exercise of the options.

     On the date of  Closing,  Executive  had a total  of  858.24075  shares  of
ProAssurance  Common Stock and the  ProAssurance  Employee Stock  Ownership Plan


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(the  "Stock  Purchase  Plan")  of which  315.08577  Grant  Shares,  which  were
previously  unvested,  became  vested upon the Closing.  The shares held for the
account of the Executive  under the Stock  Purchase Plan shall be distributed to
Executive  promptly  after  Closing,  except  that  fractional  shares  shall be
purchased  or redeemed for cash at the then current  price.  Executive  shall be
required to make  arrangements  satisfactory to ProAssurance  for payment of all
amounts  required to be withheld for income and  employment  taxes in accordance
with the Stock Purchase Plan.

     Employee  hereby  acknowledges   delivery