Types of Commercial Auto Insurance Filings
Different situations require different filings. Learn more about individual filings by clicking on the links below.
State-Specific Truck Filings
Federal truck filings and forms
The following federal filings are required for businesses engaging in interstate trucking or transportation of specific cargo.
A BMC-91X filing is a document submitted to the Federal Motor Carrier Safety Administration (FMCSA). The BMC-91X filing guarantees the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.
A BMC-91X filing is required when your insurance is provided by multiple companies instead of just one.
An MCS-90 is an endorsement that must be attached to Liability insurance and Cargo Liability insurance policies if you are required to have a federal filing. The MCS-90 endorsement guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.
The MCS-90 is not filed with the Federal Motor Carrier Safety Administration (FMCSA). The BMC-91X filing is submitted to the FMCSA as certification that the MCS-90 endorsement has been issued.
Unified Carrier Registration Filings
The Unified Carrier Registration Plan (UCR Plan) replaced the Single State Registration System (SSR) in September 2007. It simplifies the payment of multiple state fees by allowing for-hire and private motor carriers, brokers, freight forwarders, and leasing companies to submit their financial responsibility information and a registration fee payment to a single state.
Under the UCR Plan, motor carriers conducting interstate operations must register in a base state. Your base state is the state in which the largest number of your vehicles will operate during the coming year.
Currently, 41 of the 50 states are participating in the UCR Plan, and if your base state is one of the participating states, you must register in that state. Private and exempt carriers who were not required to register under the SSR must register in a base state under the UCR Plan.
The registration fee paid to your base state will be shared between all the states in which you operate.
The UCR Plan does not affect a state's regulation of intrastate trucking within that state, including its motor carrier financial responsibility laws for intrastate trucking.
States that participate in the UCR Plan can change over time. Call 1-888-806-9598 for help determining if your base state participates in the UCR Plan and to learn more about state truck filings.
Intrastate truck filings
Form E Filing
A Form E filing certifies that your Liability insurance complies with the state's financial responsibility laws. Form E is submitted to the department of your business's home state that regulates intrastate trucking.
Form F Filing
A Form F filing is an endorsement to your policy that conforms it to each state's financial responsibility laws.
Form H Filing
A Form H filing guarantees your state that you have sufficient Cargo Liability insurance and is submitted to the state department of your business's home state.
A Form H filing is not available in all states and situations.
Form K Filing
A Form K filing is used to cancel a previous state filing and is submitted to the state agency that regulates motor carrier financial responsibility in your business's home state.
State-specific truck filings
Beyond the UCR, some states require other filings for specific businesses or vehicle types operating within their borders. These filings are submitted to your state's department of motor vehicles or other regulatory agency.
Look for your state below to see some of the state-specific filings that may be required for your business.
CA OL 207 – California Driving School Certificate
The California Driving School Certificate is a form submitted to the California DMV verifying proof of insurance. The state of California has special requirements for driving schools—since different drivers constantly operate each vehicle.
MCP-65 filing/ HQMCP65
Commercial vehicle operators in California must obtain a Motor Carrier Permit and a Carrier Identification Number. An MCP-65 filing (also called a DMV65MCP) is a certificate of insurance that must be sent to the California DMV as proof that you carry the required level of Liability insurance.
A PL914 filing is a document submitted to the state of California for businesses offering commercial balloon, commercial river rafting, or commercial skiing (class C) excursions. (Passenger transportation must be offered as part of the excursion package at no additional cost.)
A Form 14 is a document submitted to the state of Colorado for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks.
You must also have a Single State Registration System (SSRS) Form E and a Colorado State Form 12 to obtain this form.
You must also purchase On-Hook insurance coverage and Garage Keeper's Legal Liability (GKLL) coverage in addition to your Liability insurance to obtain this form.
A R1325C filing is required before you can obtain a license to operate a leased or rented vehicle. This filing is submitted to the state of Connecticut.
A Form MV5 COI is submitted to the state of Montana for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused when operating a tow truck.
At Progressive, we only issue this form on behalf of the insured for the Cargo/Property portion of the form. You also will need to obtain a separate Cargo Carrier portion for this filing.
To obtain this filing, you also must have On-Hook insurance coverage and, if you tow vehicles to a storage or repair facility that you own, Garage Keeper's Legal Liability insurance coverage.
An OS-32 filing guarantees the state of Ohio that you have sufficient Liability insurance to cover accidents potentially caused by operating oversized vehicles or trailers. This document is submitted to the Ohio Department of Transportation (ODOT).
OK Form WA
OK Form WA is submitted to the state of Oklahoma for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks.
Rhode Island filings
The GU1338C is submitted to the state of Rhode Island to verify proof of financial responsibility or proof of Liability insurance. This filing is vehicle specific and must be issued for each vehicle separately.
A GU1338C filing requires special approval by Progressive prior to being issued.
A Form T is submitted to the state of Texas for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks.
You must have a Vehicle Storage Facility (VSF) number to obtain this form.
An SR-22 filing is a financial responsibility form submitted to your state's motor vehicle department, often referred to as the DMV. An SR-22 is proof that you have at least minimum Liability insurance coverage. It also is a guarantee from your insurance company to notify the DMV if you fail to maintain continuous insurance coverage.
An SR-22 filing is often required to reinstate a driver's license after it has been suspended.
An SR-26 filing is used to inform the DMV that an SR-22 has lapsed, expired, or has been canceled.
Verification of higher limits required after convictions for certain offenses, including maiming while under the influence, conviction for DUI, or conviction for driving after forfeited license due to DUI conviction. FR 44 must be maintained during the driver's license suspension period.
Form submitted by the insurance company required to cancel an FR 44.
Certificates of insurance (COI)
Required by various states, certificates of insurance are similar to filings because they offer proof of financial responsibility by showing adequate insurance coverage. COIs also are processed in the same way as filings.
Oversized/Overweight Vehicles COI
(Alabama, Arkansas, Louisiana, Mississippi, and Pennsylvania only)
This certificate of insurance is a document submitted to the state for oversized vehicles or trailers or for overweight vehicles or loads. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating larger, heavier vehicles and trailers.
Florida Department of Motor Vehicles COI
The state of Florida requires proof of insurance providing required coverages and minimum limits for all commercial trucks and tractors with a gross vehicle weight (GVW) more than 26,000 lbs. Acceptable forms of proof of insurance include the Florida DMV COI and the Form E filings.
DMV REG 1323
The DMV REG 1323 form is a certificate of insurance that’s used to report primary liability, excess liability, commercial general liability, and umbrella liability coverages for private carriers that transport passengers.