Commercial Auto Insurance Filings
A filing is a document that shows proof of financial responsibility. It certifies to the government that you have Liability insurance or a Cargo insurance policy with at least the minimum required limits. It guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.
Commercial vehicles have the potential to cause extensive damage. They can be very large, heavy, or possibly hauling hazardous materials. Filings provide protection for an accident when there is no coverage, or not enough coverage under the Liability insurance.
Under the Federal Motor Carrier Safety Act (FMCSA), certain businesses engaged in interstate transportation are required to file a certificate of insurance with the U.S. Department of Transportation. This certifies that a federal financial responsibility endorsement has been added to the policy. Many states also have state filings requirements. State filings are processed and handled the same way as federal filings.
Who Needs a Filing?
You should become familiar with the federal and state financial responsibility to determine which will impact your business. There are a number of online resources you can use to assist you in making those decisions, such as the FMCSA's Safety and Fitness Electronic Records System web site.
Additional information is provided on this website, and Progressive is always here to help with additional tips on where to look for filings information.
How Do I Get a Filing?
When you purchase a policy from Progressive, we'll issue a filing for you. Once you file for authority, we can take care of the rest. Filings are usually completed within 48 hours after you call us.
Learn more about how we process commercial insurance filings.
Types of Filings
Many different types of filings and certificates of insurance exist. Your filings needs depend on your business type, the vehicle you operate, where you drive and what you transport.
Learn more about specific types of filings, their purposes and other types of commercial auto insurance filings.
A new Unified Carrier Registration program has now replaced the Single State Registration System. UCR is an interstate agreement under the federal UCR Act that governs the collection and distribution of registration information and fees between participating states. The UCR Query Form provides access to company UCR registration data.