What Is Proof of Insurance and Why You Need To File One for an MC Number

Are you a trucker and wondering why you must file your proof of insurance? If you have an MC number, filing your insurance provides crucial accountability that keeps you protected if you have an accident. From helping you understand how to get an MC number to providing an easy portal to access and submit all your documents, FMCA Filings is one of the best resources for interstate truckers.

What Is Proof of Insurance?

Under the Intrastate Motor Carrier Insurance Requirements, you must carry multiple state-required policies as dictated by the Federal Motor Carrier Safety Administration. This coverage includes Primary Liability Insurance, General Liability Insurance, and Cargo Insurance. 

However, the type and amount of insurance you need depends on the type of cargo you transport, the size of your truck, and a few other factors. As of 2024, 49 states and the District of Columbia maintain laws about minimum insurance requirements, and New Hampshire is the only state that strongly suggests purchasing it.

If law enforcement stops you, they'll ask you to show proof of insurance to ensure you aren't breaking the law by driving without it. You must have this proof whenever you're behind the wheel, and many experts say it's a good idea to just keep it in your vehicle at all times.

While this proof can take different forms, it most often consists of an ID card, and it must contain the following information:

• Policy number
• Policy effective dates
• Covered vehicle make, model, and year
• Name of the policyholder

Filing the SR-22

In addition to proof you have insurance, your situation may require you to file an SR-22 form (known as an FR-44 in Virginia and Florida). This functions as a certificate of financial responsibility. You'll most likely only need this if you've had an accident or have a conviction of drunk driving, and it's extra confirmation you have the required liability insurance.

You can easily file your SR-22 on the FMCA Filings website.

The Importance of Filing Your Insurance Proof

What happens if you don't file your proof of insurance even if you maintain your coverage? As a motor carrier, you're required to file your proof, whereas Class D drivers aren't subject to this requirement. This helps authorities keep track of all the drivers with insurance and keep everyone safe and accountable.

While your insurance company should file for you, they may require you to fill out multiple forms, including the following:

• BMC-91 or BMC-91X: These forms deal with public liability insurance. You must file them if you're a motor carrier or freight forwarder.
• BMC-34 or BMC-83: These forms show you have cargo insurance. If you transport household goods, you must file this form.
• BMC-84 or BMC-85: These forms deal with surety bonds, and you only fill them out if you're a freight forwarder or broker of freight.
• MCS-90: This form verifies your liability insurance coverage, specifically concerning hazmat safety permit carriers

You can access, fill out, and file all these forms in the intuitive and convenient portal located on the FMCA Filings website.

Finding the Best Insurance

How can you find the best insurance? Much like you would for your car, compare the rates for the coverage you require. If you work for a larger trucking company, they may place restrictions on the providers you can purchase from or may have a preferred company they require you to use. 

Your Proof of Insurance Card

How can you obtain proof you have insurance? Your insurance provider should automatically send it to you in the mail. If you have to drive before you receive it, you can often download a temporary copy from the company.

Every time you renew or make changes to your policy, you'll receive a new card and should only get rid of the old one once you have the new one in hand. Many companies provide you with a digital copy you can show law enforcement on your smartphone, and it's always a good idea to store a picture or photocopy of your physical copy.

Replacing a Lost Insurance Card

If you lose your insurance card, you can contact your insurance agent for a replacement or use the company's mobile app or website to request a new one.

Let FMCA Filings Help You With Insurance Today

Dealing with the logistics of interstate commerce, like proof of insurance or the 70-hour rule, can feel overwhelming. At FMCA Filings, you'll find an intuitive user portal where you can file everything you need to stay compliant with MC requirements. Learn everything you should know about the business on our website.

Do you have a question or need help with filings? Contact us by filling out our online form or speak directly to an agent using our live chat feature.