The BMC-91X is the form an insurance company files with FMCSA to prove a for-hire motor carrier has the required public liability coverage. You can't file it yourself — your insurer does it electronically once you bind a policy.
How the filing works
- You bind a primary auto liability policy with an insurer that writes trucking.
- The insurer files the BMC-91 or BMC-91X electronically, listing your USDOT/MC number, the policy, and the limit on file.
- FMCSA records the filing; if your authority is otherwise ready (BOC-3 filed, vetting complete), it can be activated.
- If the policy is cancelled, the insurer files a cancellation (Form BMC-35) — your authority will be revoked when it takes effect unless a replacement filing is on record.
Related filings
- BMC-34 — cargo insurance filing for household-goods carriers.
- BMC-84 / BMC-85 — $75,000 surety bond or trust fund for freight brokers and forwarders.
- BOC-3 — process agent designation (not insurance, but required for authority).
- MCS-90 — the federal endorsement attached to your policy itself.
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Get quotes Check a DOT/MC numberFrequently asked questions
How can I check if my BMC-91X is on file?
Use our DOT/MC insurance lookup, which reads FMCSA's public insurance data, or check FMCSA's Licensing & Insurance system.
What's the difference between BMC-91 and BMC-91X?
Both prove liability coverage to FMCSA. The BMC-91X is the version most insurers file today; the practical result for the carrier is the same.
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Reviewed October 2026. General information only — not insurance or legal advice. Coverage terms vary by insurer and state.