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Truckers Insurance Terminology

BMC91 (X)
Auto Liability filing sent to the Federal Highway Administration by the insurance company as proof of liability insurance.

BMC35
Auto Liability filing sent to the Federal Highway Administration by the insurance company canceling the BMC91 (X).

Form E Filing
Auto Liability filing sent to a specific state by the insurance company as
proof of insurance.

Form F Endorsement
Auto Liability policy endorsement indicating the states that have been sent a
Form E filing.

Form K Filing
Auto Liability filing sent to a specific state by the insurance company canceling
the Form E filing.

MCS-90 Endorsement
Auto Liability endorsement evidencing that a motor carrier has the minimum amounts of financial responsibility required by the federal government.

OS-32 Endorsement
Auto Liability policy endorsement required by the State of Ohio for obtaining special hauling permits for oversize and /or overweight motor carriers.

CA99 48 Endorsement
Auto Liability policy endorsement broadening pollution coverage.

BMC34
Motor Truck Cargo filing sent to the Federal Highway Administration by the insurance company as proof of insurance.

BMC35
Motor Truck Cargo filing sent to the Federal Highway Administration by the insurance company canceling the BMC34.

Form H Filing
Motor Truck Cargo filing sent to a specific state by the insurance company as proof
of insurance.

Form I Endorsement
Motor Truck Cargo policy endorsement indicating the states that have been sent
a Form H filing.

Form K Filing
Motor Truck Cargo filing sent to a specific state by the insurance company canceling the Form H filing.

Bodily Injury
Any physical injury to a person.

Property Damage
Direct or indirect damage to property.

CAB
Central Analysis Bureau, Inc. (CAB) is a service organization for the motor carrier insurance industry dedicated to assisting underwriters with their motor carrier and passenger carrier insureds and prospective insureds.

General Liability
Covers the loss exposures arising from a business’ premises and operations, its products or its work.

Auto Liability
Covers bodily injury to others and damages to the property of others resulting from automobile accidents caused by the insured.

Hired Auto Liability
Covers bodily injury to others if insured causes an accident while they are driving a leased, hired, rented or borrowed vehicle for business use.

Non-Owned Auto Liability
Covers bodily injury to others caused by a vehicle not owned by the insured but driven by an insured employee while on company business.

Auto Physical Damage
Collision coverage insures damage to an auto owned by the insured by collision with another object or by overturn. Comprehensive coverage insures damage to an auto owned by the insured by any peril other than collision or overturn. Specified Peril coverage insures damage to an auto owned by the insured by specific perils (normally does not include glass breakage).

Trailer Interchange Legal Liability
Provides coverage for loss or damage to trailers not owned by the insured while in the insured’s possession under a written “trailer” or “equipment” interchange agreement in which insured assumes liability for loss to the trailer while in their possession.

Hired Auto Physical Damage
Provides loss or damage to an auto, which the insured leases, rents, borrows or hires on a short-term basis.

Motor Truck Cargo
Provides coverage for loss or damage to the property that a motor carrier
is transporting.

Refrigeration Breakdown
Extends coverage to include the breakdown or failure of a refrigerating unit.

“Wet Steel” Endorsement
Extends coverage to include damage to cargo caused by “dampness, moisture, rain, snow, sleet, or hail” unless property is not maintained and secured with a
waterproof tarpaulin.
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