What Is a Difference Between Insurance Filling BMC91 and MCS90
February 16, 2023
by
GIA Group
Contents
BMC-91 and MCS-90 are both forms that are required by the Federal Motor Carrier Safety Administration (FMCSA) for commercial motor carriers operating in the United States. However, they serve different purposes and cover different types of liabilities.
BMC-91 is a form used to prove that the carrier has liability insurance coverage for bodily injury, property damage, and environmental restoration. It provides evidence of financial responsibility and is required for motor carriers operating vehicles that transport property across state lines.
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On the other hand, MCS-90 is an endorsement that is added to the insurance policy and acts as a guarantee that the insurance company will pay for any judgments against the carrier for bodily injury or property damage caused by the carrier's negligence or failure to maintain the vehicle. Unlike BMC-91, MCS-90 covers the public and is not limited to a specific type of liability.
In summary, while both forms are required by the FMCSA, BMC-91 provides proof of liability insurance coverage, while MCS-90 serves as an endorsement to the insurance policy and covers the public against any negligence or failure to maintain the vehicle by the carrier.
