© 2023 Navigator Truck Insurance Agency
Navigator offers state and federal filings, also called financial proof of responsibility. An insurance filing is a guarantee to the government that you have sufficient truck insurance protection to meet their financial responsibility requirements. Once your authority has been filed, we can take care of the rest.
We offer federal filings for trucking businesses that engage in:
As an example, you are required to have a federal filing if you are a motor carrier doing long haul trucking, regional trucking, or if you are a specialist. For-hire truckers hauling nonexempt commodities across the state line must also carry a federal filing. The filings required for these types of businesses are the BMC-34 filing and the BMC-32 form.
Federal filings are not required for businesses that never cross the state line or engage intrastate trucking.
If you haul exempt commodities, you are required to submit a state filing unless you are in one of the following states:
State filings for intrastate exempt commodity haulers are the Form E Filing, the Form F Filing, and the Form H Filing.
The following are considered unregulated trucking sectors that do not require a federal or state registration.
Other reasons besides trucking authority might require a business to submit proof of insurance. For example, drivers with probationary licenses or owners of oversized vehicles may need a nontrucking filing or a certificate of insurance (COI).
To verify if you need proof of insurance, check the list below for your business type or vehicle class and state of operation.
|Who||States||Filing or Certificate of Insurance|
|Commercial balloon excursions||CA||PL914 Filing|
|Commercial river rafting excursions||CA||PL914 Filing|
|Commercial skiing (class C) excursions||CA||PL914 Filing|
|Courtesy transportation (not for-hire)||CT||MC1641 Filing|
|Driving schools||CA||California Driving School Certificate|
|VT||TA-VN-31 Driver Training COI|
|For-hire transport||CA||MCP-65 Filing|
|Leasing or renting a vehicle||CT||R1325C – IRB3613C Filing|
|Movers of household goods||CA||TL676 Filing|
|Oversized vehicles, trailers or loads||OH||OS-32 Filing|
|AL, AR, LA, MS, PA||Oversized/Overweight Vehicles COI|
|Oversized or Overweight vehicles, trailers and/or loads||NY||Perm 17|
|Overweight vehicle||CA||MCP-65 Filing|
|FL||Florida Department of Motor Vehicles COI|
|Reinstate a suspended license||All||SR-22 Filing|
|Towing businesses||MT||Form MV5 COI|
|Transporting goods or people across state lines||All||BMC-91X Filing|