DOT/MC New-Authority Insurance Filing Pack — Free PDF Checklist
- 3 days ago
- 1 min read
If you just got your DOT number and MC operating authority from FMCSA, you cannot legally operate until you bind insurance and FMCSA processes your BMC-91X (auto liability) and/or BMC-34 (cargo) e-filings. This free PDF walks you through every document to gather, the federal minimums by operation type, and the exact 5-day path from quote to ACTIVE authority.
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What’s in the filing pack
FMCSA insurance minimums by operation type (general freight, household goods, hazmat, passenger, private). 30-minute Day-1 document checklist (DOT, MC, MCS-150, UCR, 2290, BOC-3, EIN, vehicle VINs, driver CDLs). The 5-day path: shop 15+ commercial trucking carriers (Progressive, National Indemnity, Berkshire Hathaway, Northland, Great West, Acuity, GAINSCO, plus E&S markets), bind, e-file BMC-91X, FMCSA flips you ACTIVE. Typical California pricing for owner-operators ($13K-$22K first year). 5 rookie mistakes to avoid (filing without binding, lying about radius, forgetting BOC-3, using personal auto, skipping cargo).
Talk to CoverToday
CoverToday Insurance Agency files DOT/MC compliance packets across California every week. Bilingual service in English and Russian. Same-day quote when documentation is complete. Call or text 310-299-5555 with your FEIN, NAICS code, projected payroll by class, and any prior loss runs. CA Department of Insurance License #0K77310.









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