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For BIPD insurance cancellation

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

Pricing

Standard Reinstatement Filing$275
Full Recovery (Login.gov + IDEMIA)$325
Start filing
24-48 hr reactivation
SAFER monitoring
Insurance-recovery focus

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).

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