By Jock Rottman

Federal filing with the FMCSA and the accompanying MCS-90 endorsement are crucial components for trucking companies to understand and implement.

Federal filing with the FMCSA, specifically the form BMC-91X, and theMCS-90 endorsement serve as vital certificates of insurance required by the government. Let's break down their significance:

Form BMC-91X (Federal Filing):

• Acts as a certificate of insurance for the government.
• Enables trucking companies to operate in interstate commerce across state lines by obtaining an MC number.

MCS-90 Endorsement:

• Provides coverage for public liability resulting from negligence in the operation, maintenance, or use of motor vehicles, regardless of whether each vehicle is specifically listed on the policy.
• Ensures that the insurance company will cover liabilities even for vehicles not explicitly included in the policy.
• Imposes a responsibility on the insured (the trucking company) to reimburse the insurance company for payments made on account of accidents, claims, or suits involving breaches of policy terms.

Understanding the implications of these filings and endorsements is crucial for trucking companies. While they provide essential coverage, it is essential to recognize potential liabilities and obligations:

Liability Coverage:

• Ensures that the insurance carrier will cover liabilities arising from accidents or claims, even for vehicles not explicitly listed on the policy.

Financial Responsibility:

• Imposes a responsibility on the trucking company to reimburse the insurance company for payments made on account of breaches of policy terms.

Trucking companies should review their policies comprehensively given the complexities and potential liabilities involved. It's not just about the obvious accidents such as “rear-end” collisions but also about unique liabilities such as pollution liability.

If you're unsure about the terms of your policy or the level of protection it offers, don't hesitate to call us at the Hummel Group. We are here to ensure you're properly protected against all potential risks.

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