BIPD insurance cancellation reinstatement
Your BMC-91 BIPD insurance was canceled or non-renewed and FMCSA suspended your operating authority under 49 CFR Part 387. We file the FMCSA reinstatement same business day for $275 standard once your new BMC-91 is on file with FMCSA L&I. Most reactivations land within 24-48 hours.
The lapsed-insurance suspension cycle
Lapsed-insurance suspensions are the most common FMCSA enforcement action — the trigger is automatic (insurer files cancellation, FMCSA processes within hours, suspension takes effect), and the fix is also relatively automatic (new insurer files BMC-91, FMCSA processes the new filing, suspension lifts). The carrier's job is to bind new coverage and ensure the new insurer files BMC-91 electronically.
See our lapsed-insurance reinstatement guide for the substantive flow and why MC numbers get revoked.
What's included
- Same-day FMCSA reinstatement filing once new BMC-91 is on file
- Coordination with new insurer on BMC-91 e-filing
- Optional Login.gov account recovery (Full Recovery tier)
- SAFER monitoring through reactivation
- BOC-3 status verification — flag if also lapsed during the suspension window
BIPD cancellation questions
Why does FMCSA suspend authority for insurance lapse?
49 CFR Part 387 requires every motor carrier with active operating authority to maintain primary financial-responsibility coverage (BMC-91 for property carriers, BMC-91X for auto-only, BMC-84/85 for brokers). When the insurer cancels or non-renews the policy, the insurer notifies FMCSA via the L&I system. FMCSA processes the cancellation typically within hours and the carrier-status flips to NOT AUTHORIZED. The suspension is automatic — no FMCSA-side review required.
How fast can I get reinstated?
The reinstatement is bottlenecked by the new BMC-91 filing, not by our reinstatement filing. Once you have new insurance bound and the new insurer files the BMC-91 electronically, FMCSA reflects the new filing in 1-2 hours during business hours. Our reinstatement filing on top runs same business day. Most carriers are reactivated within 24-48 hours of the new BMC-91 hitting FMCSA L&I.
Do I need to refile BOC-3 too?
Generally no — BOC-3 is independent of BMC-91 and stays valid through an insurance lapse. The exception is if the lapse was prolonged enough that the original BOC-3 process agent dropped its BOC-91 registration during the gap (sometimes happens with smaller agents). Verify the BOC-3 status in SAFER as part of the reinstatement; refile if needed (separate $75 filing through FastBOC3).
Other reinstatement contexts
You might also need
- BOC-3 refile if lapsed — FastBOC3Filing
- UCR registration — FastUCRFiling