Interstate Transportation Filings

When dealing in interstate commerce, commercial drivers must comply with federal safety regulations and operating rules as well as all applicable state and local regulations. This includes paying vehicle registration fees and submitting to inspections, as well as completing several different interstate transportation filings to verify the correct commercial auto insurance coverage.

Processing Commercial Auto Insurance Filings

The company that provides your commercial auto insurance can assist you in making sure all of the required interstate truck filings have been submitted. However, you may need to provide your insurance agent with the following information:

• Docket number

• Department of Transportation number

• Federal Employer Identification Number (FEIN)

• Business address

• Doing Business As (DBA) name

• Phone number

• Social Security number

Necessary Interstate Transportation Filings

The following is a brief overview of the interstate transportation filings that may be needed for your commercial vehicles and trucks:

• BMC-32 filings are endorsements to cargo liability insurance that guarantee minimum levels of coverage for any cargo loss for which you are held legally responsible.

• BMC-34 filings must be submitted to the Federal Motor Carrier Safety Administration (FMCSA) as proof that a commercial driver has obtained the appropriate cargo liability insurance.

• MCS-90 forms are endorsements attached to liability or cargo liability insurance stating you have the minimum required amount of insurance coverage. These forms are needed if your business is legally required to have a federal filing.

• BMC-91 and BMC-91X filings are submitted to the FMCSA to guarantee that your liability insurance covers the increased risks associated with transportation of people or cargo across state lines. A BMC-91 filing should be used if all of your commercial insurance is provided by one company, while a BMC-91X filing must be submitted if you have policies with more than one insurance company. BMC-91 and BMC-91X filings are considered proof of MSC-90 endorsement.

If you have questions regarding commercial filings, you should contact your insurance agent or ask your state regulatory agency for details.