Commercial auto insurance filings serve as proof to the government that you have obtained liability insurance and/or cargo insurance and that your coverage meets the minimum requirements by law.
The filing is the government’s way of ensuring that you have the required coverage while your vehicle is on the road.
Why are Commercial Auto Insurance Filings Necessary?
As a fleet owner or independent operator, you have a responsibility to drive safely and carry the necessary insurance to cover the cost of damage and medical care in case of an accident.
For commercial vehicles, insurance is even more important. Their large size and heavy weight can cause serious injuries and damage to vehicles, property and people.
Not only that, but commercial vehicles may carry hazardous, dangerous materials that necessitate specialized coverage.
Filings assure the government that you are a responsible fleet owner or operator.
Types of Commercial Auto Filings in CA
The types of filings you must complete depend on the vehicle type, the business you operate, the type of cargo you transport and where you operate.
State-specific filings include:
- CA OL 207, which is the California Driving School Certificate that verifies proof of insurance for driving schools.
- MCP-65/HQMCP65. This certificate of insurance is required for commercial vehicle operators in California who must obtain a Motor Carrier Permit and Carrier Identification Number.
- PL914 Filing. This is required for businesses offering commercial excursions, such as river rafting, balloon or skiing adventures.
Federal commercial auto filings include:
- BMC-91X Filings. This is submitted to the Federal Motor Carrier Safety Administration (FMCSA) and certifies that you have the minimum liability insurance required by law. This filing is specifically required if you have insurance from multiple companies rather than a single one.
- MCS-90 Endorsement. This must be attached to your cargo liability insurance and liability insurance policies. It guarantees minimum protection for the public in accidents where you are legally responsible.
How to Obtain a Filing for Your Vehicle
Insurers can assist with commercial auto insurance filings in CA. Most carriers that write commercial auto policies will file the required forms directly with the state or the FMCSA on your behalf once your policy is in place.
To get started:
- Verify which filings apply to you. This depends on your vehicle type, cargo and where you’re operating.
- Get the right coverage in place. Your filing is only valid once you have a policy that meets the minimum cargo and liability limits.
- Ask your insurer to submit the filing. Reputable carriers file the necessary forms electronically and will confirm once they have been accepted.
- Keep proof on hand. Even after a filing is submitted, carriers should keep a copy of their certificate of insurance and filing confirmation in their vehicle records in case of an audit or roadside inspection.
Working with an insurer experienced in commercial trucking and fleet coverage makes the process much simpler and smoother. They know which state and federal filings apply to your operation and handle the submission for you.
That’s where we come in.
Contact us today to learn more about this service and get a free quote.