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. Your FMCSA reinstatement is submitted promptly for $300, including the $80 FMCSA fee, once your new BMC-91 is on file with FMCSA. FMCSA controls the timing.
The lapsed-insurance suspension cycle
Lapsed-insurance suspensions are a common FMCSA enforcement action - the trigger is automatic (insurer files cancellation, FMCSA processes it, 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
- Prompt FMCSA reinstatement filing once new BMC-91 is on file
- Coordination with new insurer on BMC-91 e-filing
- Login.gov account recovery help at no extra cost
- Status monitoring through reactivation
- BOC-3 status verification - flag if also lapsed during the suspension window
Pricing
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 files a 30-day cancellation notice with FMCSA (Form BMC-35 under 49 CFR §387.313(d)). If replacement coverage is not on file when the cancellation takes effect, the carrier-status flips to NOT AUTHORIZED. The suspension is automatic - no FMCSA-side review required.
How fast can I get reinstated?
The reinstatement depends on the new BMC-91 filing. Once you have new insurance bound and the new insurer files the BMC-91 electronically, your reinstatement is submitted promptly. FMCSA controls how long its review takes.
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 lost its FMCSA blanket process-agent registration during the gap (sometimes happens with smaller agents). Verify the BOC-3 status in FMCSA's Motus public search (by USDOT number or company name) 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