Insurance filing
An insurance filing is a policy or bond on record with FMCSA. The public row shows a form, a type, an insurer, limits, and dates. That row is not a promise that your car is covered for the number on the screen.
Key facts
- What the public row shows
- Form, insurance type, insurer, limits, effective date, and cancellation date
- Source: portal.fmcsa.dot.gov
The sources are listed on this page.
An insurance filing is evidence the company has placed with FMCSA. The Licensing and Insurance detail lists the form, the type, the insurer or surety, the posted date, the coverage amounts, and the effective and cancellation dates. Types you will see named there include bodily injury and property damage, liability, cargo, and bond. Each one pays a different kind of loss.
What to read
Read four fields: the form code, the limit on file, the effective date, and whether a cancellation date is already posted. 49 CFR 387.313 names Form BMC-91X for public-liability certificates and Form BMC-34 for a household-goods cargo certificate. The indefinite-suspension note is on a different section, 49 CFR 387.303, not on the form list. Trust the dated row on the public record. A filing that ended last month is not cover for today's trip. A 750,000 dollar liability filing matches the 49 CFR 387.9 minimum for for-hire interstate nonhazardous property at 10,001 pounds or more. It does not pay for a dent in your door. Since 16 January 2026, 49 CFR 387.307 has required a property broker to keep a 75,000 dollar surety bond or trust. That bond is not cargo insurance.
How it differs from the contract
The filing shows what the company told FMCSA it has. The contract, and the policy's exclusions and deductible, decide what is paid on your car. RideShipper does not insure vehicles. If a page says the filing was checked, it should also say the date it was checked.