Q&A | Trucker Filings

What is a filing?

A motor carrier filing, also called proof of financial responsibility, is a written document that provides proof of insurance (similar to a certificate of insurance) to a federal or state government agency. This filing indicates that a motor carrier has sufficient commercial auto liability or cargo limits to meet legal requirements. An endorsement is also attached to the insured’s policy to show compliance with federal or state insurance requirements.

Why are they important?

Having the appropriate filings is critical for truckers. Suppose the proper filings are not in place. Your trucking customers can be stopped in their tracks, resulting in downtime, lost loads, financial penalties, and even suspension or revocation of their authority.

How does the filing process work?

Governmental agencies tell motor carriers what filings are required. The trucker provides the form or endorsement request to their insurance agent. The insurance carrier then converts the governmental requirements into company-specific form numbers, endorses the insured’s policy, and submits the necessary information to the governmental agency. You can always check the FMCSA website to help your clients determine which filings are needed.

Where can I find out more?

The FMCSA website outlines basic information on insurance filing requirements. Department of Transportation websites may have information on state-specific requirements. Acuity’s Trucking CE course is available for all licensed agents and contains additional information. You can also find a Trucking Filings FAQ brochure on our website. Contact your Acuity underwriter or territory director if you have questions regarding a specific account.