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  • Intrastate Truck Filings

    Intrastate Truck Filings

    Commercial motor vehicles that are registered or garaged in a state are required to have commercial liability insurance coverage, and to ensure that commercial autos have adequate insurance coverage, owner operators and certain businesses that transport cargo within state lines must submit commercial insurance filings to state offices (e.g., state insurance departments).

    NOTE: State commercial insurance filing laws apply to drivers who transport cargo within state lines. Drivers who operate commercial vehicles or transport cargo outside state lines must also adhere to federal filing laws.

    State Commercial Insurance Filing

    Several states require that you have certification on file with the state transportation department proving that you meet the state's vehicle insurance laws.

    Truck Filings

    If you use a truck to haul exempt commodities, you are subject to intrastate truck filings to prove that you meet your state's commercial auto insurance requirements.

    Exempt commodities typically include:

    • Unprocessed or unmanufactured goods.
    • Fruits and vegetables.
    • Other items with little or no value.

    Visit the FMCSA website for a more detailed list of exempt commodities.

    Some states do not require you to submit insurance filings. These states include:

    • Alaska.
    • Arizona.
    • Delaware.
    • Florida.
    • Hawaii.
    • Maryland.
    • Nevada.
    • New Jersey.
    • Oregon.
    • Pennsylvania.
    • Vermont.
    • Wyoming.

    Types of intrastate truck commercial auto insurance filings include:

    • Form E: Confirms that your commercial auto insurance meets state guidelines.
    • Form F: Policy endorsement that customizes your coverage to meet financial guidelines in your state.
    • Form H: Declares that you have sufficient cargo liability insurance.
    • Form K: Cancels a previous state insurance filing.

    Be aware that some states require you to also file additional forms. Read below to learn more about state-specific filings.

    State-Specific Truck Filings

    In addition to the above filings, some trucks are subject to state-specific filings to prove that commercial auto insurance requirements are met.

    These state-specific filings include:

    • California:
      • MCP-65 - This filing is a certificate of insurance proving that your policy meets California's liability insurance requirements. This filing must be submitted to the CA DMV.
        • NOTE: All commercial vehicles are subject to this filing.
      • TL672 - If you transport household goods, you must submit this filing to prove that you have cargo insurance.
    • Colorado:
      • Form 12 and Form 14 - These must be filed by towing businesses as proof of liability insurance to cover accidents that may occur a result of operating tow trucks and towing property.
    • Montana:
      • HQMV-5 - This filing is a guarantee to the state that you have liability insurance to cover accidents that occur during the operation of tow trucks.
    • Oklahoma:
      • WA Form - This is also a proof of liability insurance for tow trucks.
    • Rhode Island:
      • GU1338C - This filing is a proof of liability commercial auto insurance. It is a vehicle-specific filing, meaning that each vehicle in the policy must have its own filing.
    • Texas:
      • Form T - This form proves you have liability insurance for your tow truck.

    Other Commercial Insurance Filings

    In addition to truck insurance filings, some states require different commercial auto insurance filings for other types of vehicles and businesses.

    These filings include:

    • California:
      • PL914 - This filing is proof of insurance for businesses that transports passengers for commercial balloon, rafting, and skiing excursions.
      • TL1000 - This filing provides proof of insurance for companies who transport passengers as a courtesy service (but not for hire).
        • An example of courtesy transportation is a rental car service that transports you from your home to the rental car company's office.
      • CA OL 207 - California Driving School Certificate.
        • This form verifies proof of insurance for driving schools in California.
    • Connecticut:
      • MC1641 - This filing is similar to California's TL1000 filing for courtesy transportation.
      • R1325C - This filing is proof of insurance for vehicles that are rented or leased for commercial purposes.
    • Ohio:
      • OS-32 - Verifies insurance for oversized vehicles, trailers, or loads.
    • Alaska, Arizona, Louisiana, Mississippi, Pennsylvania:
      • Oversized/Overweight Vehicles COI - Verifies insurance for oversized vehicles, trailers, or loads.

    Obtaining Commercial Insurance Forms

    Commercial insurance forms are available at state departments of insurance and/or departments of transportation. Privately owned auto insurance companies can file the required forms for you.

    When you open your policy, ask your insurance agent to complete all required state filings on your behalf. Make sure that you get a copy of your receipt that acknowledges that the form was received by the state. It may take 48 hours or more for state commercial motor vehicle filings to be processed.

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